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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Thanks @jwil, @happymum37 @Orangetoes @EssexHebridean for the commiserations about my cousin. DD is starting to feel better - switching from paracetamol to ibuprofen was a good call.
Absolutely. It does help.EssexHebridean said:There IS something satisfying about sharing drama with someone and them being shocked/outraged on your behalf - I'm with you!
My cleaner has been today and made the place look more respectable again. I've had a very restful day other than the 2 complaint phone calls. I have done a little more wrapping - as I found something to give my cleaner and found some extra bits for my niece and nephews.
Xmas day arrangements have grown - with 4 or 5 extra people coming as wider family try and compress seeing each other into one day. That's increased my stress levels as it will make it impossible to socially distance and increase everyone's risk. One of the people coming non-compliant could be their middle name. Last year I sat slightly apart in the hallway with a window open with my immediate family while the rest were sat in the dining room... I imagine my parents will need to do something similar as I doubt we can all fit around a single table. Glad I'm not the host...I also wore a mask a lot of the time. I'd do that again - but there's little point if DD and DS don't.... Really ready for C19 to be over.
Hope things are going well where you are... I have a food delivery coming later. Looking forward to that. Meanwhile took DD to get McD for dinner while I ate macaroni milk.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/255 -
Can you connect to DS's phone when she is in, as her mobile data might be faster than your slow internet?🎉 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/her4 -
So sorry about your cousin, keeping everything crossed for a turnaround.
Sh3ll were dreadful a few years ago, that's why we didn't go with them. Service was 99% off for an acquaintance.
Utilities look promising and should be lower, keep switching things off to help save those pennies.
Perhaps do an annual pension track as it may be easier to see how a snapshot.
Ensure you do relax and unwind over this holiday, as best as you can and wait for the creativity to flow in the new year.
Mortgage started 2020, aiming to clear 31/12/2029.4 -
Hope a safe option opens up for you and the family for Christmas. Sorry to hear abut your cousin. Cancer doesn't stop for Covid.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park4 -
EH - I've got enough internet for what I'm doing so it's fine for me. I'm more concerned about moaning from my kids.
MF and Tahlullah - have to hope the latest treatment plan does something but not looking good currently for my cousin but thanks for your well wishes.
I had a lovely cajun chicken dinner today. Just relaxed and listened to a story while playing a game. Tomorrow I have about 4 hours of driving to do. I want to bake a cake at some point but time yet. It's needed for Boxing Day.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/254 -
So sorry to hear about your cousin 😔
Hope the driving goes well today! 😊'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
JSF: £0/£2000
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'4 -
sorry to hear about your cousin's bad news
otherwise things seem to be settling on their new tracks - hope xmas day goes well for you even if fraught with dangers from poorly behaved relatives (as are most of them)I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Thanks Mark and Left...
I started to worry I hadn't got enough Xmas treat food and need birthday cake for a friend so now have butterfly cakes, Victoria sponge cake and coffee cakes. Feel happier now especially as I am chief tasterAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/256 -
Cakes look lovely!"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 McGee4
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Cakes look lush! Enjoy!! 😊'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
JSF: £0/£2000
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'5
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