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Prosperous soul embraces creativity & mortgage neutrality

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Comments

  • You're doing well and achieving so much.

    Can you deactivate your cards until you find them? I can put a stop on all mine in their apps. Just set a limit on how many days you'll spend looking for them before reporting as lost and requesting replacements.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi MF - just done a temp freeze on the B one. I can't access the other two - so nothing I can do about them.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • Not a HP fan any more really,loved the books when they came out though. 
    Expelliarmus would come in handy now when trying to get rid of clutter 🤣🤣🤣

    Maybe a reframe is in order when thinking about where you live? What you want to do with your time first, then what the house looks like
  • jwil
    jwil Posts: 23,045 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the sore throat is easing.  Well done on the reduced energy use.
    "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
  • Well done for squirrelling away money.

    There's loads of things you can do with your garden. From pockets each having a different style meeting various moods, to proper country cottage with a growing section.

    Food sounds great.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • lucielle
    lucielle Posts: 11,697 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Also if you moved to a house with a bigger garden it will take a lot more time and effort to maintain it.
    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
  • Blackcats
    Blackcats Posts: 4,271 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Glad you are gradually feeling better.  Don't get too cold indoors though.
    you are so artistic and good with colour that I think you could create some amazing zones in your garden which you could gradually do.  A mix of planting and accessorising.
    have you had a chance to plant up some bulbs ready for some Soring colour?  

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