Mortgage start: April 2024 - 295k Current £256k
Emergency fund: 13.5k/15k
Current mortgage free year: 2054 2039
Mortgage free diary: Snug & Sorted: Our Race to Mortgage Freedom
The little joy list
Books read: 41 (2024) | 12 (2025)
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Prosperous soul embraces creativity & mortgage neutrality
Comments
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My hibiscus
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 10/10/258 -
Lovely photo, SH.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1244 -
That Hibiscus ir gorgeous!2
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That's a beautiful flower!'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: £41.46/£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'3 -
Beautiful photos!"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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I love the hibiscus
Can tea be made out of those? 3 -
I don't feel I did enough yesterday - and then struggled to get to sleep until gone 2am which was frustrating. I did however eat for England for some reason - so weigh in won't be pretty tomorrow. I need to make myself go for at least a walk today. I also want to mow my lawn.
I listed a couple of bookcases out the garage yesterday at 1am and woke up to three lots of interest. Progress. Just hope one of them confirms.
My garage door was beeping the other day and now refuses to auto go up so I am potentially going to have to hand crank it open (slat by slat) with a device at the side. It needs some kind of battery back up apparently but there are screws on the control unit so its not immediately obvious where you'd fit any batteries. I also don't understand why the power would have gone - given that it is plugged into the wall. DD never fixed my garage light so that makes the whole thing more complicated.
I will take a photo of the control unit and send it BIL and see if he has any suggestions. I will then try and see what else is in the garage that is potentially easily sale about. So much wasted money tied up in there in things I have overbought...
I even have a flat packed 1k3a tall kitchen cupboard that we never ended up putting in the kitchen but was too tall to return.
I want to have something to show for the weekend... even if it is just shifting some of the excess around my home... Curtains anyone?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 10/10/255 -
You can apparently out of some. I was given this out of someone's garden as they didn't want it in a house they moved into - so I don't know.kaycastle said:I love the hibiscus Can tea be made out of those?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 10/10/254 -
You could always ask in the DIY section about the garage door.
Flower is gorgeous and you've made progress by listing things.Mortgage started 2020, aiming to clear 31/12/2029.3 -
According to plant net that is rose of sharon hibiscus. The tea is apparently made from roselle or hibiscus sabdariffa.
Every day is a school day 🤣🤣🤣3
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