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Prosperous soul embraces creativity & mortgage neutrality
Comments
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That's an awful lot to be happy for savingholmes - well done!
Sounds like the break away did you the world of good - when is the next one planned for?8 -
Great photos, your weekend has left you sounding refreshed and I'd suggest a budget for a few each year.
Impressive gratitude list, gets longer each time you write one!Mortgage started 2020, aiming to clear 31/12/2029.9 -
Great list. It's such a good thing to re-frame life into the positive.There's lots of doom and gloom about rising costs which is scary but at least the great people on these boards are resilient and resourceful and share ideas to help us all do the best we can with what we've got.7
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I'm glad you enjoyed your break.Mortgage at 12/07/2022 = £175,000
Mortgage at 31/03/2026 = £154,976.87
300 256 payments to go.House buyout fund £26517.34/£36,000
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Lots of positves
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]6 -
I think the great thing about being on here, even if it is a bit scary at times, is that it teaches you to KNOW what your liabilities are. If you know nothing can jump out of the woodwork at you, you can hopefully deal before you get in over your head. You know what they say knowledge is power. So true!
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Fab catch up of your diary. Loving the deliberate day off from the to do list vxxPart time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe6 -
Sounds like a lovely weekend away DFD March 2025 (£35000 paid off)
FFEF £20000 saved
Currently treading water while having cancer treatment and trying not to dip into FFEF too much!6 -
Thanks all. Appreciate your posts.
I got a £25 voucher from work. I've been asked to write a bit more to support my upgrade. Sounds like it will go through and could be backdated to Jan. The right people seem to support it this time. Here's hoping anyway.
Between refunds, £co, bank switching, gifts, FB sales etc it looks like I brought in an extra £386 in the last pay month. However planning to put £400 towards electricity bill. Really pleased with that as otherwise l would be panicking more about energy.
My CC debt went down a little while my EF went back above £2k so really good month. No idea what I will do for an encore. CC debt due to rise slightly in the next pay period due to cam belt etc but should stay debt neutral.
Will continue looking for opportunities to bring in new £, get refunds etc. Next two months I have CT free months so that will help.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20287 -
All sounding positive, hope you don't have to wait too long for the upgrade x
Debt Busting Again in 2026
Starting Debt 03.05.26 £5345. Total 01.10.26 £2994
Challenge 1 - Clear M&S Card: Starting Balance 03.05.26 £600, cleared 05.07.26
Challenge 2 - Clear V12 Finance: Starting Balance 05.07.26 £600, cleared 12.08.26
Challenge 3 - Clear Barclaycard: Starting Balance 12.08.26 £940, current total 01.10.26 £344
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