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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Sorry about your dog but it probably would have been more tying on your life to keep her and she sounds like she's loving her life.
I was single a very long time (single mum and I didn't want to be dragging numerous boyfriends through LMG's life) and I actually prefer being single. It's a long and slightly complicated story with current bf (first met when I was 17) but if we split up I wouldn't bother looking for someone else. Far less drama not being in a relationship. You are discovering you and you sound like you are enjoying it which is great.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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If I was nearer you I would take some stationary.
I love stationary, socks, key rings.......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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
Thanks @badmemory Beanie and Jwil
If you were close enough you'd be welcome to my surplus stores!
My cleaner left the crumble and the fruit but she'd planned to take it so I think she just forgot.
Work was okay. I'm debating whether to go to the gym for my balance class again. I know the answer should be yes - but it's been so long -hard to make myself go.
Tucking into crumble, custard and ice cream while I decide.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
Have a portion for me!
Go to balance class, if only for the social aspect.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Yum
Sounds lovely... If 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Being single is very addictive, once you get over the initial weirdness....!
Glad it sounds like the dog is happy. It sucks to let them go, but it sounds like the right decision for both you and her.Start 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 20253 -
Thanks MF, DIA and Merlin
I went to balance class!!! After a 2 month hiatus due initially to covid and then it mushroomed into struggling to go back. Had a really nice chat with the instructor afterwards and we've hoping to go to an Italian for a meal Friday night. That will be a nice treat after helping my sis move.
MF will definitely think of you when I eat my next portion. I've cooked more recently. It seems to come in bursts...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/257 -
GAP and Merlin - I think it's natural to miss my dog as she was very sweet natured. However it does make life easier now I only have a cat and the cat's a lot happier and less jumpy. DD says the dog looks really happy with her new family.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
Well done for going to balance class.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Well done on going to balance class "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 McGee2
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