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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Even after two years and being the family nose invader my mind thought something completely different at lines on tests 🤷
Hope it passes soon and without incident.4 -
Hope you feel better soon xMortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Be better soon xI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.4 -
Sorry to read about the 2 lines...hope it passes quickly.
Your art room plans sound good. The phrase you used was really interesting...your “ too difficult to do basket.” Like that phrase, may have to borrow that one!paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 174 -
Hoping you are at the end of Covid and not the start. Take care either wayIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20254 -
Thanks all
Was awake most of the night for some reason and have rested today. Quite snotty. Sore throat but otherwise not too bad. I had the shivers for a couple of hours in the night and at times today. My thermometer that I bought when DD had covid has of course gone missing so I can't check mine.
Mr A stood me up last night but re-booked for this morning. Just had soup and jacket spud today and ice cream. That's a food group by itself right?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/257 -
Glad to hear you’re symptoms aren’t too bad. Hope it stays that way.4
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Food sounded good. Depending on the ice cream flavour, you've probably exceeded f&v requirements for the day. Main thing is you eat, regardless of what it is.Mortgage started 2020, aiming to clear 31/12/2029.4
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Fingers crossed you're on the mend soon 🤞'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
Nov GC: £34.46/£350
DNF: 1/45
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'4 -
Thanks MF and Left
Had today off sick 🥶 and managed some 🍋 drizzle biscuits and a very small jacket spud. Some new symptoms kicked in which will aid weight loss. Have to take the wins where I can find them. Spent half the day in bed.
Missing SW weigh in but believe would have got 1 stone award if I had gone.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/257
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