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Prosperous soul embraces creativity & mortgage neutrality

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  • lucielle
    lucielle Posts: 11,535 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Dress sounds lovely!
    L
    Total 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 #124
  • TallGirl
    TallGirl Posts: 6,251 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Glad the cat is back and that you love the dress. Defo ask work to pay. 
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • jwil
    jwil Posts: 22,197 Forumite
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    Glad cat is back.  Great news about the payrise too :)
    "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
  • beanielou
    beanielou Posts: 96,035 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Pleased cat is back.
    Good news on the payrise  :)
    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.
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
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    Dress sounds lovely.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
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    Thanks Lucielle, MF. @TallGirl Beanie and Jwil

    Had a nice time with my friend and making art.

    I still need to pack and sort myself out for an overnight stay - but I think I'll leave late afternoon. I'm going to slow cook a chicken - I have some roasties and gammon left too.

    My cat stayed in overnight - unusually for it. It has gone out this morning though. He seems to have lost a claw.


    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,683 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Glad the afternoon went well and the cat seems no worse for wear
  • FlacosFloozie
    FlacosFloozie Posts: 830 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    I'm glad the cat is back- sounds like he's tired out from all that adventuring.
    Yay for the pay rise and the dress :)
    MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.14
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks WD and Flaco

    Made it to p inn safely. Glad I came tonight I am exhausted. Hair pin bends in the dark always interesting!!  I hate them but having done the worst section of the journey previously in the day albeit a foggy and icy day I didn't like it when I could see the drops either!!!

    My eyes are bloodshot I think just with tiredness. That's despite sleeping in this morning. I have taken my tablets slightly early in the hope I can get up easier tomorrow.

    I spotted the venue I am at tomorrow on my way so at least I know what to expect tomorrow.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • greent
    greent Posts: 10,801 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you have a good night's sleep ready for tomorrow :) x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
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