📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Prosperous soul embraces creativity & mortgage neutrality

1280281283285286323

Comments

  • With over 800 posts to read I'm afraid I'm not catching up with your thread any time soon SH so thought I'd just dive right in at the end and wish you a wonderful holiday! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Wishing you a lovely, relaxing holiday!
  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a lovely week away :)
    "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 McGee
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Have a lovely holiday.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    How long till you go ? and you know ofcourse we will be expecting pictures :)
  • Hope you get some peace and quiet at the cottage 😀 and a lot of time for writing or art or whatever takes your fancy
  • Thanks Jwil, GAP, WD and El

    I go tomorrow afternoon. But of course my washing is still outside wet on the line... I need to reclaim a suitcase from DD and pack... So who knows what time I'll actually leave!! I am WFH in the morning and have two meetings and a few bits I need to finish off. 

    I am sure some photos will be forthcoming. 

    The cottage pies were divine. I may have had 2 portions... The chicken meal at lunch was fab too. I also had porridge and some flapjacks but only SW choc bars. Having more fibre as a snack seems to be helping with appetite control but not checked scales. Also had 4 tangerines today and then an apple from my tree.

    I've been using my elec blanket this week. I plan to take it with me too. It makes such a difference providing targeted heat.

    Will be interesting to see what the mini £ announcement has in it tomorrow. The NI thing should help me...
    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 29/7/25
  • Blackcats
    Blackcats Posts: 3,907 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Have a lovely holiday.
    I'm heading home today after my week away feeling relaxed and refreshed.  I hope your break has the same effect on you.



  • Safe travels and have a lovely holiday. :smiley:
    Mortgage (Nov 20- NOV 39)  originally £130,999 (Interest only) NOW £102,732 (approx 78% equity)
    Over payments 2020 £750/£750 (Mortgage payments only start Dec 2020)
    Over payments 2021 £9,000 /£9,000  Over payments 2022 £7,629/£9,000 (£1,371 short of target)
    Over payments 2023 £2,620/£9,000 (£6,380 short of target)  Over payments 2024 £5,406/£11,000
    Over payments 2025 £2,862/£5,600  (fix rate exp Dec 2025)
    Loan £12419
    Total Savings £4376
    Premium Bonds - £963
    YBS Xmas Regular Saver - £1200

Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.