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Prosperous soul embraces creativity & mortgage neutrality
Comments
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I find myself doing this as well, though I have to have different pacing depending on whether something is physically/mentally/emotionally/socially exhausting...elantan said:how is it ypur working out the savings rate ?
I am like you in that if I know I have something coming up that is going to ise a lot of energy I take it easy before so that I have the energy for what I need, so days out with skinty I tend to do little the day before, if I'm at work then its work really only I rest at home dont do the dishes etc, so that when were away having fun I can enjoy myself and not be exhausted, I then take it easy the day after as well and have noticed my energy levels are more stable now, just need to build them up I thinkStart mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20255 -
Merlin's beard yep exactly that, for me it's part of the recovering from covid, I am doing better than I was but have booked a walking holiday for next year so I need to start building my stamina4
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Thanks all. I will post some kind of link to calculating your rate once I am home again.
I gave in and saw family for a couple of hours. Got lunch out of it. Went for a swim this pm in the sea. Very muddy waters. I ate out but was disappointed. Ah well... Going to look for a nicer beach tomorrow even if I have to travel furtherAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/255 -
Enjoyed my swim though and just being on out for onceAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/257 -
You had some positives to outweigh the food. Tomorrow will be everything you want.Mortgage started 2020, aiming to clear 31/12/2029.3
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Having a disappointing meal when eating out is the worst!3
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Enjoy your break SH. Your diary has defeated me once more xxMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,850/£5,0004 -
Hope you are enjoying your break SH.Life is an adventure, never stop exploring.4
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Thanks all. Had a lovely time at the beach yesterday. Floated in my ring and swam and sat in my beach shelter. Bought picnic food to take with me. Had a carvery on way back to P Inn.
I traveled a fair bit to a less populated beach where it was quieter and clearer than the major tourist beach I had gone too the night before. The water was calmer too, very flat, so I was able to float safety in my depthAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/259 -
That sounds lovely. I'm glad you've had a good time."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
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