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Prosperous soul embraces creativity & mortgage neutrality
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Brilliant synopsis SH - excellent service on your diary I have to say 😂MFW diary Adventures and Overpayments
Mortgage start: £240,945 Aug 2020
Mortgage now: £230,738
2021 OP total: £605.85 1 month off approx
MFW 2022 #39 £135.68/£12006 -
Thanks EH and @chicker
Well my cleaner has been and spent more time cleaning than tidying. She says she can really tell the difference. She was actually wiping down kitchen cupboards this week. In the past that was a luxury.
DS is ill far away. I hate that I can't see him/help him. May see him at the weekend if I am lucky and he's doing a bit better.
Have my balance class tonight and that and counseling tomorrow. Then Friday working a half day and then going off on travels...
Grocery budget still doing well... May be able to put some to Am**** overspendthings like elec blanket.... But all adds up.
Thermometer refunded. Rest £26 back.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 29/7/2513 -
All sounding good.
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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.6 -
Marvellous news re the cleaner. Did you manage to send the electric blyback?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 would love a cleaner. This year we are getting a gardener. We'll done on battling the a m a zon addiction....I have it badly xPart time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe7 -
Hi savings - what a fab weekend you have planned - i love how you plan in your days / weeks fun things for you
I hope to learn from this.
I hope DS is ok - it is understandable your worry and wanting to be there.1st May 2025
Mortgage Balance 1: £21,601.50 4.98% Now: £18,044.31
Mortgage Balance 2: £84,420.24 Now: £83,562.45
Credit Card Balance 3: £10,911.76 Now: £7,237
Student Loan £TBC5 -
When LMG was a bit younger and money was tighter I saved and bought us an electric blanket each for our beds so that I didn't need to put the heating on in the evening. I still use mine and I really love it. I think you can justify that spend.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Oh I would like a cleaner AND a gardener!4
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Thanks GAP @Alchemilla Lucielle Stripey and HM37 The cleaner is amazing. A gardener would be great too... not on the cards any time soon.
I still need to return the blanket £25. I'm debating washing it in the hope the coffee stain comes out / doesn't look as bad. I'm worried about paying to return it and then it being rejected anyway and me ending up worse off. I have until the 25/2 to do it so going to consider after weekend away.
The planning fun things helps me stay positive. The balance class was led by someone else yesterday. I don't really like change so found it tough going. She was very loud and perky and used a microphone where the normal one we have makes us laugh but describes each movement in detail without a mic - which really helps and doesn't hurt my ears. She nearly didn't give us the meditation at the end. I regretted staying for her meditation as she spoke into the mic really loudly and there was a crackle which ruined it for me. Usual instructor is back tonight. I knew she wasn't going to be there last night and challenged myself to go anyway. I did a few movements I didn't know I could but there were others that she did far too fast and without cueing the moves so I couldn't do them. She seemed very self conscious and as a result she didn't offer encouragement to people. When I looked around the class everyone looked shell shocked not just me which cheered me up. It felt like she should have been doing an aerobics or spin class instead.
Had to be up and out for 7 today (2 hours earlier than my norm body clock) to drop DD at the station for college. I've still given myself a slow start before logging on to work though. I filled up with fuel yesterday which should take me to the big city and back. Not sure whether it will also do the 100 round trip that I have left to do for DD before payday. I am hoping that in the next pay period DD will spend some Sunday nights at MILs and Ex will take her saving me £ and making me less exhausted. I talked to DD yesterday about doing a chart - of things she wants help with - so she lets me know in advance and that I would also add things I wanted help with. You should have seen her face!!! Now I've stocked up on printer ink - I'm going to do it and put it on the fridge. Like most kids, everything she asks for is last minute - but she could have asked earlier. I am also going to set some boundaries in writing for her about my working time. She often asks for non-essential lifts during my work day - which means I work much longer days to compensate. One of the key things I am working on with my counsellor is boundaries - as they are very eroded. I'm trying not to pendulum swing in the other direction - but at the same time - need to value my own needs and wants.
Have a lovely day all. I'd better crack on and walk to the next room and start work!
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 29/7/2512 -
Doing the list sounds like a brilliant idea. Boundaries will also help. You really are coming on leaps and bounds and sounding so positive.
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 #1248
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