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Holding On and Letting Go 🎈

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  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Getting a balance is so hard.
    Wishing you positive vibes for your future plans  :)
    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.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Interesting times. Prioritising time with each other and for leisure sounds positive.

    The two week break sounds perfect for plotting.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • scandimore
    scandimore Posts: 191 Forumite
    Fourth Anniversary 100 Posts Name Dropper
    Hi fortune, delurking to ask if you still have the separate apartment and if you were thinking of renting it out as an Airbnb or similar for some extra dosh? Sorry if I missed an update with this. Good luck for Mr F's self employment sounds like you both have it all figured out. My husband wants to take the leap to self employed at the moment too as he is doing way too many hours being both employed and having a side business, very tempting! 
  • rtandon27
    rtandon27 Posts: 5,671 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Sending luck and hugs your way over t'internet. - So lovely to have such a fulsome update from you! xxx
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)
    Psst...I may have started a diary!
  • Elisheba
    Elisheba Posts: 1,786 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Good luck with all the changes! It does sound like it could make a massive improvement in both your qualities of life. 
    Live the good life where you have been planted.
    Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,483 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Sounds like those are all really positive steps towards a better quality of life.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • teapot2
    teapot2 Posts: 3,535 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Good luck with the planning though it already sounds very thought through.  x
  • Cornish_mum
    Cornish_mum Posts: 669 Forumite
    Fifth Anniversary 500 Posts
    Hi Fortune 
    Very excited to hear about your plans, it sounds like a well planned and well deserved decision for MrFortune. I look forward to hearing how it all develops.

    CM
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