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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Ooooo I would live to go to a chain library, that mustve been awesome to see, I love libraries, the smell of old books, the hushed reading noises and turning of pages, I used to love looking up the system to find the book you wanted... Sigh ... libraries are just heaven5
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Thanks El MF WD @L9XSS MF EH and DIA
Went to Ludlow today.
Had a good wander before the heavens opened.
I will reply in more detail from a laptop... Appreciated your comments...
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 29/7/259 -
try_harder said:Going back to your earlier posts i cant believe how similar our situations are ..I too dream of the country life ,i am very noise sensitive and the road noise although a good way from me annoys me at night so i long to be somewhere completely quiet ..In order for me to sell my house i need to clear it and it is full .Full of stuff...But almost all sellable so i cant just get rid of it all .I so want to get my house on the market but it needs complete decluttering to decorate and stage it .I am trying to focus on one room at a time and trying to stay motivated also ,its hard .It’s making more sense to me than seeking joy or doing fly lady . It is taking longer than 30 days though but you don’t move in to the next day til you finish the last. It’s lovely to open some often used cupboards and drawers and see the difference.
I have a pdf copy I can email you if you DM me
saving Holmes said it’s also on kindle
your holiday looks lovely - what with the current collapse of the pound going abroad is getting expensive. Loving that chain libraryI am finding I am eating sweets when i have not eaten enough healthy carb in the day or have skipped meals cos I am busyDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest7 -
Thanks @try_harder and Lady
I have found the right type of tape now I just need it in different widths. I will use the tapes in my journal.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 29/7/2510 -
Thank you Lady with a plan ,i will see if i can find it otherwise i will DM you and thank you for your help4
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Ludlow is great, can't beat aged buildings for interesting features.
Art is nice, looks good above the fire.Mortgage started 2020, aiming to clear 31/12/2029.3 -
the photos look lovely, a very nice place to walk about :-)3
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Lovely photos 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 #1243 -
I love Ludlow and knew immediately that was where you'd been as soon as I saw that view from the Castle!
Also really like the art done with the removable tapes - such a simple idea but so striking!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Great photos. Love the artwork with the strips taken off, it's really striking."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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