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Prosperous soul embraces creativity & mortgage neutrality
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Wow - they had some nerve leaving all that!! Good luck with the building works.edinburgher said:Our attic is so cluttered that it has stuff from the people who lived here before us. Not good stuff (like rubies and sapphires), more broken kitchen units and crap Christmas decorations. I am dreading the clearout before our loft conversion. Maybe the builders will be able to fit the staircase first, making it easier than doing 50 ladder trips?
Glad you are doing okay. I worry about people when they disappear. Sorry it's so hard at the moment teaching. A pretty thankless task most of the time I imagine. It takes 10 years or more to be appreciated I reckon by young people and to see the difference you've made and by then they've moved on... Good luck with your move and the weightloss. Perhaps try meals with more nutrition. I've not been hungry much today - I thought I was doing well until I looked up how many calories were in the banana loaf. Moving on!!BellaLasagna2018 said:I’m back at work and I’m finding it exhausting (I am a teacher and the mix of teaching in freezing cold classrooms with door and windows open, and the various stresses of COVID and mocks exams at the moment is really tiring me out, plus trying to lose weight and possibly not eating enough during the day) so usually my brain is too scrambled for me to post anything sensible!We are hopefully moving soon. I am a minimalist at heart, and live in a small space so I don’t usually tolerate a lot of clutter around me. I like everything being closed doors, mostly tidy but often not, but I’m quite amazed at how much I still had to get rid of!
Well done on the declutter.
Waves at EH and Cheery Daff. It is funny what you unearth - when you open a bag or box you thought had one thing in it but it had another...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 -
I feel virtuous. I went to my balance class tonight. I had a nice surprise as at the end of the session someone gave me a very pretty new journal. Very thoughtful. I'm due back there tomorrow...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 29/7/2511 -
Lovely that you have met people who have taken the time to get to know you and know what would be a thoughtful and appreciated present.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 Park7 -
I LOVE journals xPart time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe6 -
That’s a great affirmation if your cleaner could see the difference you’ve made. Well done!paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 175 -
What a lovely gift - and a very MSE one for you too as I know you go through journals quite fast, don't you!🎉 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/her5 -
Thanks Tahlullah, HM37, HSL and EH
Yesterday was certainly one of my better days this year.
Today had a rocky start as I'd overlooked that I had a meeting first thing this morning and joined it half way through. Just had to ride it out... Luckily someone else had also joined the meeting very late so I got less backlash than I might have otherwise. Because of some medication I'm on - I'm rarely given early meetings - but a new person booked it in so I am going to have to discuss it with her. TBF she wouldn't know - and obviously it was still my fault that I missed it.
I spent £20 on food yesterday to get what I fancied rather than eating what was in - so may just be out of debt neutral for a few days. Timing issue though - as I've frozen some of the other stuff. I should be able to pull it back post payday. I need to freeze some cooked beef too - as I just don't fancy it at the moment.
DD is home a night early this week... She's asked me to go out at some point over the weekend so she still gets the house to herself for a bit. She's so cheeky!! Luckily for her - I can relate to that need. I might go and try the glass workshop I found.
Tired today - but I slept better yesterday for the exercise and meditation. I did a load of washing yesterday and today. I've put some away already. Baby steps.
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 -
@Cheery_Daff - my entreaties to empty some of our 6 year+ boxes prior to the baby arriving have been falling on deaf ears with Mrs E
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Lovely gift from the person at the balance class
"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 McGee3 -
That was a lovely thoughtful gift.
LTotal 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 #1244
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