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Prosperous soul embraces creativity & mortgage neutrality
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Some fantastic achievements in any “normal” year let alone the year you have had 🥳 very well done!SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)5
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What amazing achievements this year.
Be proud.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.5 -
Well done, you have achieved so much! Hopefully 2022 will see you continue to thrive.Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
Fabulous achievements in what's been, at times, a very trying year for you.
Excellent foundations in place for what I truly hope will be an amazing 2022 for you xx5 -
So many fantastic achievements during a difficult year. Your diary screams of positivity and great plans as your growth continues.
Slowly step into 2022 and everything will fall into its natural place.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Just one of those achievements is momentous - the balance reduction on the credit card, the publishing of your book are both huge achievements. You have come through so much in 2021 and been an inspiration to myself and others and such an encourager to other diary writers. That encouragement is so appreciated.
Wishing you every blessing for 2022.
paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 178 -
Honeysucklelou2 said:Just one of those achievements is momentous - the balance reduction on the credit card, the publishing of your book are both huge achievements. You have come through so much in 2021 and been an inspiration to myself and others and such an encourager to other diary writers. That encouragement is so appreciated.
Wishing you every blessing for 2022.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 unhappy5 -
Agreed that's a great list and a great foundation for 2022. Don't waste too much energy on making reparations with the in-laws if they don't want to know then soddemall.
Good news about the job and various increases - backdated salary is basically free money so clear some and spend some would be a good balance especially if you spend it to support some of your personal goalsI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Very wise - thank you. Thanks too to Jwil, MF, Beanie, skint_spice, Chrystal, HSL, Hettyhound, Mark, DancingFortune_Smiles said:Lots of achievements. One suggestion - just celebrate them 🥳 There will always be more to be done... I think when you say 'but need to do more' it takes a little away from how fabulously you've done this year. Look at that amazing progress - including navigating one of life's most stressful situations.
Congratulations - what you've achieved is fantastic and more than enough 😘
Fortune x
We should all apply this - we are more than enoughHettyhound said:Some fantastic achievements in any “normal” year let alone the year you have had 🥳 very well done!MovingForwards said:Your diary screams of positivity and great plans as your growth continues.
Honeysucklelou2 and Chrystal said:You have come through so much in 2021 and been an inspiration to myself and others and such an encourager to other diary writers. That encouragement is so appreciated.
Wishing you every blessing for 2022.mark55man said:Agreed that's a great list and a great foundation for 2022. Don't waste too much energy on making reparations with the in-laws if they don't want to know then soddemall.
Good news about the job and various increases - backdated salary is basically free money so clear some and spend some would be a good balance especially if you spend it to support some of your personal goals
When I get the backdated £ I plan to use it mostly to fill my holiday pot.
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 29/7/256 -
It does make it difficult though when there are children involved, but more so when the children are younger of coourse.
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