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Prosperous soul embraces creativity & mortgage neutrality
Comments
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covid is just such a pain isnt it ?
sorry your having to deal with naive people and exes that cant be easy stressful situations are no good either, sometimes though we just cant avoid them :'(
What watch do you have ? that's a handy thing telling you the stress levels, mine can tell me how ready I am for excercise, on some occasions it has said I'm 100% ready and yet i cant move off the couch i dont think covid was planned into it
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Family is hard and I'm not surprised that you're being wiped out by them! Well done on surviving them.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +13 -
That watch sounds fabulous - just develop a habit of looking at it and say "computer says no! (more talking to you today)!!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
I love blowing bubbles 😂
I hope you feel better for the graduation as it will take a lot out of you.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30002 -
Thanks Elantan, Merlin and Mark

It was the v*nu Squ@re one. I got in the Am**** sale for £99. Although this picture has pulse oxygen - I haven't actually seen that on my list. I'm still learning how to use it - and because I'm feeling rough - it's only tracked any essential trips so far rather than any attempted workouts.
Mark - I used the watch to justify leaving early yesterday - so I count that as having paid for itself already! I think it's a really useful way of explaining to people how things affect me too.
Just had some cream cake - with grapes and strawberries - and shared some with DD so she was happy. I may have some chicken, potato and salad shortly that I prepared yesterday. I need to make sure I water my plants today - as didn't yesterday.
The heat here isn't too bad but then I have the curtains shut and am safely inside. Hope you are all doing well where you are.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/266 -
I'm loving the sound of this watch3
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The bubbles made me smileMortgage at 12/07/2022 = £175,000
Mortgage at 31/03/2026 = £154,976.87
300 256 payments to go.House buyout fund £26517.34/£36,000
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That sounds dire.
Graduation will be fine.
I spent weeks worrying & it was fine.I 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
Thanks @skint_spice GAP and Elantan - bubbles always help make life better!
Well I did harvest more redcurrants from my garden to make 'overnight oats' - so they were tasty.
I've belated applied to strike off my company. It's a huge frog that has hung over me for a while. I've only got 7 days to tell the tax people though so I'd best work out how quickly.
I booked DD's holiday for her and her friend using my CC so that they would get protection. Also used £co - so should get cashback and points. DD has gradually sent some of the money over to repay over the weekend as her bank will only let her send it in stages. I therefore checked my account and the P1p £ is showing (for tomorrow) which makes it feel a lot more real!! That brought a huge smile to my face. It takes so much pressure off my finances (unless I put it back on by setting targets that are too aggressive!). I need to know whether the stairs are fixable - before I can fully decide next steps.
Meanwhile - big smile at my account being so far in the black!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/2612 -
Big smile indeed! 😃
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345
Clear the M&S Card Starting Balance 03.05.26 £600
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