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Prosperous soul embraces creativity & mortgage neutrality

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  • savingholmes
    savingholmes Posts: 28,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks @badmemory @Blackcats Beanie, MF and Jwil

    I have sometimes used Am**** Smile but not consistently.

    Thanks for the comments re foodbanks. I used to be part of a church that had a linked one so it was simple to give consistently - now I'm not currently going it's harder. They always used to send lists out of what was needed.

    I helped DD complete her P1p form today. I'm hopeful she will qualify. She says if she does she'll move out... Will see what happens in practice. Once she's gone over it and added in any other elements she will send it to my sis for extra comments. Me and sis will write supporting statements. Will try and get a supporting one from her old college. Will also send in medical reports and letters I have - I'll have to get some scanned in I think. A lot easier to complete the form now I understand what they're asking for. That's half the battle.

    I paid DD earlier to empty and clean out my car ready for its MOT in the morning. Hope it goes well.

    It's felt a bit of weird weekend - with half a day at the hairdresser and then ferrying DD around a bit. I've vegged really but presumably needed that downtime. Weather has been atrocious. It's now quite windy which is unfortunate as I still need to put the bin out! Hope you all had restful weekends.

    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
  • Great news on the car - and with just such a minor advisory too - always a bonus! 
    🎉 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
  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news about the MOT :)
    "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
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