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Prosperous soul embraces creativity & mortgage neutrality
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Hope you slept well last night SH and the event today is going well!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Thanks Greent and EH
The event went really well and was well received.
Best bit of the day was the scenery although 10-12% drops, climbs and hairpin bends were challenging!!
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 29/7/255 -
Glad that all went well
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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.2 -
Glad the trip and the meeting went well.2
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Lovely sky in your photoMortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Looks like a nice road to open the throttle and savour the bends.Mortgage started 2020, aiming to clear 31/12/2029.3
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Thanks Beanie, Blackcats, Skinty and MF
The day went as well as it could have. I got home around 4.30pm and would have happily gone for a nap but I had to take DD's bike for a check at 6pm. We left it there. I then took her to Al** . I ate some of the left over roast chicken from sunday. I am absolutely exhausted tonight. I can 'mask' and perform for work and do social but it leaves me wiped - that plus the journey. I'm off for an early night. So grateful for the clock change too... Made today a lot easier!
Cat was fine when I got back. DD had a nice time with her friend but came home exhausted too!
I've had the heating on for a bit tonight as my eleccy blanket controller broke. They are sending me a new one but it hasn't arrived yet - only requested it Sunday.
Money doing fine - I just had bread rolls and banana for breakfast. Lunch was provided.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 29/7/253 -
Mortgage went out today - so I estimate just over £650 off the capital. Very grateful to see my net worth improving each month instead of deteriorating like it used to!
I have a lot of life admin. I have a load of ADHD forms I need to do. I have to get a family member to fill in one of them too. I also have 3 dental appointments this month, 1 mammogram and the ADHD assessment! Plus seeing my counsellor. I need to check our work policy and see which of those appointments I can claim time for and which I can't. I'm hoping I to claim for some of the dental - and might not owe as many hours as I think. Wish me luck. I also have to take the cat for its booster this week.
I need to find a particular bank card and then clear my CC of all but the accommodation. Still no confirmation from work if they'll pay. I will be able to claim mileage though - and just that should give me £40 back.
They can't fix DD's bike for about 10 days so looks like I'm on major taxi service.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 29/7/255 -
Sounds like a really heavy month SH, so take it easy where you can. Sending ((((hugs)))) XX
I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy2 -
£200 also went out to a regular saver so now at £4.5K EF/Savings. Sent another £50 to savings on top. P1p came in today.
Struggling to keep my eyes open today!!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 29/7/254
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