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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Well I did my swim 720m. Proud of myself.
I've taken my YS corn fed chicken out the freezer to defrost. Hopefully have roasties later. Need to peel some spuds and prepare veg - but will be closer to teatime I reckon before it defrosts.
I need to update my spends diary - but given my creativity was flowing this morning - going to the gallery and listening to the story on the journey etc definitely helped. Friday my body just felt on high alert - but I am feeling a bit more relaxed now.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 29/7/259 -
So glad you have been able to relax and let go a bit. You sound much more relaxed 😊 Bravo on the swim!
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £339 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Happens to me all the time.
It's not calming you need when that happens it's rebalancing. You went up high. So you went down low to counteract.4 -
Glad you had a good time at the gallery. Annoying when the meal doesn’t live up to expectations.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 -
Glad you're feeling better - impressed with the swimming as well!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 20254 -
Boo to the meal.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.3 -
Sorry you've been having such a tough time of it lately. I'm glad you're feeling better.
MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.142 -
Thanks KK, Merlin, Beanie, Flaco, Lucielle and WD
Thanks for your support. Feeling a lot better tonight than I did Friday - just hope it lasts into the work week. I have resisted logging on so that's something at least. Glad I got my swim in when I did as it's been raining on and off most of the afternoon.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 -
Glad to hear you're getting out a bit, sorry the meal wasn't as hoped.
If you're moving honestly just repair things, don't got to the expense of replacing as it stands a chance the buyers will make do for a couple of years then replace what you've put in.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Thanks MF
Well I kept waking through the night again so got up around 6am. I found some lavender incense sticks so may light one in a bit and see if that helps me stay calm.
Even though my gas switch went through over 2 weeks ago - I still can't access my account with BG for it. It looks like my previous supplier should owe me at least £240 back. It could take another 6 weeks yet though.
I looked on my broadband account - and they applied the £100 credit I requested upfront so it looks like they may not charge me for a few months so I'll send the difference to my CC or to savings for now. They overcharged me a month ago so they've also refunded me at least £16 for that which was positive.
I should get interest on one of my savings accounts tomorrow - so looking forward to seeing what that will be.
Have a good day y'all
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 29/7/259
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