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Prosperous soul embraces creativity & mortgage neutrality
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savingholmes said:Today I got paid so done the money shuffle. Cleared target card which had 0% due to expire in March so £120.
Next target cc has £813 to be paid by the end of May. Paid £43 towards that.- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
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Well done for clearing the CC and making a start on the next one.
Enjoy your class and the weekend!Mortgage started 2020, aiming to clear 31/12/2029.4 -
Happy weekendI 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 -
Great news on the card.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 #1245 -
I love that you are seeking joy and health. Also love the idea of tagging your To Do list so you know the WHY in terms of your values. Was the orange cake you were planning a polenta orange cake?If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Thanks FS, Tahlullah, Chrystal said:Lookafterthepennies2020 said:…I read a quote today that I liked that said, everybody wants to to save the world, but nobody wants to help their mother wash up.
It's lovely to hear you sounding so positive SH, just reading your posts makes me feel happy. (((hugs))) XXXEssexHebridean said:Well done on clearing the card SH - not just me today then!Try not to be too disheartened about slipping out of debt neutral for a short while - it’s needs rather than wants causing it, and will give you all the more incentive to move towards a point where you have a fully funded car maintenance fund which should cover stuff like that!
I definitely need to hold on to this - I could use my EF but as per earlier discussions - I want tot keep hold of that. I definitely want a fully funded car maintenance fund and all the other pots... A long way to go before then though.powerspowers said:hope you enjoy your class, I love fuses glass and would like to go to a workshop
well done on the CC, you’re making great progress x
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 29/7/2510 -
Ooh, well done on paying off the card! And another day of unexpected cheerful gift, how lovely 😊😊6
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I have just googled fuses glass, and disappointingly it just showed me pictures of… well…glass fuses. Guessing it’s not that.It’s lovely that your daughter is doing nice things for you but it’s no less than you deserve.Debt Jan 2017 = £42kMay 2022 = £15k5
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Thanks @PiggyBankShaker, MF, Beanie, Lucielle and DIAdoingitanyway said:I love that you are seeking joy and health. Also love the idea of tagging your To Do list so you know the WHY in terms of your values. Was the orange cake you were planning a polenta orange cake?
I do a basic orange loaf cake - I didn't even know what polenta was. It's like that without the polenta... just ordinary SR flour, sugar, marg, eggs and grated orange and some juice of orange. It's very tasty.
I don't know if I'd go back to today's course provider. It was super controlled. She wanted us to make hearts, flowers or birds. Well that's really not me. I'm more abstract anyway. She wanted us to mainly use fritt and stringers rather than proper pieces of glass. Very narrow colour range too. She had special cutting tools / machinery we could use - but again for me that made it over complicated. It took a while but she picked up I was unhappy and she then gave me a couple of bigger pieces of glass and some better materials. I was happier after that. The other people there were nice enough but they'd gone as a birthday group and brought wine and stuff - and while they tried to include me it was weird. I hated the first thing I made (to her design) so really don't think I'll keep that. I liked the other two (my designs) - although time will tell if the final one worked. She was cheaper than the last place I went - but I'd rather pay a little more and have better materials.
If I went again - or I went to something similar - I think I'd want to check beforehand what kind of materials are available and how much freedom you have to do your own thing. It was still good to get out. I had a McD on the way home as I'd skipped tea.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 29/7/258 -
@boxofpaws it's fused glass. Sent you a PM.
Had a lie in as took meds late and a side effect is they make you drowsy. Had a really weird dream re dogs and friends who live abroad... I was going to be late to catch a flight as the packing was endless!! Dream interpretation anyone? Link to decluttering I think...
Today I need to do more decluttering but will aim to go out for a bit as wellAchieve 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
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