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Prosperous soul embraces creativity & mortgage neutrality
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Put the kettle on, we're all calling round for cake and coffee!Mortgage started 2020, aiming to clear 31/12/2029.4
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Oooh - that looks like very good cake 😋
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living4 -
Cakes look awesome
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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.5 -
Ooh - Cake!! Looks lovely SH - DFW Christmas thread party at yours then! 😁🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Thanks for stopping by - you are all very welcome for coffee and cake.
Just got back from picking up DS - as stayed there over an hour before returning and only set off to get him around 7pm. Saw 5 wider family members - including 2 I hadn't known would be there yet. The mini coffee cakes are lovely - which is good as MnS didn't have them last time I went. I have a really good food processor - should use it more... May make some biscuits next... Need to see if I have any golden syrup anywhere - as I fancied oat biscuits. Alternatively I may have a go at shortbread....
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 29/7/255 -
Hope you have a lovely Christmas "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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The cakes look fabulous SH!paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 174 -
Have a lovely Christmas SH and enjoy your cakes xxxxMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,350 /£5,0005 -
Thanks Jwil, HSL and PP
Merry Christmas one and all!
Went for a walk with DS yesterday to my fave park. Had a roast beef dinner then DS, DD and I played HP d0bble - had great fun.
Later we're seeing my parents and all my siblings and 5 of their kids... It's windy here - so hoping that doesn't affect the journey.
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 29/7/255 -
Merry Christmas SH, have a lovely time.Mortgage started 2020, aiming to clear 31/12/2029.5
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