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Prosperous soul, mortgage neutrality & creativity Year 2
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Oh wow that really is beautiful!"It’s all about balance, do you see? Balance is the trick. Keep the balance and—” She stopped. “You’ve ridden on a seesaw? One end goes up, one end goes down. But the bit in the middle, right in the middle, that stays where it is. Upness and downness go right through it. Don’t matter how high or low the ends go, it keeps the balance.”3
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Beautiful. Definitely North Wales - the mountains from the beach. Did you get some of the eggs? I don't know if you have seen the fresh milk dispensers? They are worth a go as well - take your own container!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park3 -
That is stunning. Glad you had a nice day and have reinforced your decision."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2
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Such a beautiful part of the world, love north WalesFlowers x♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐3 -
Thanks Rach, Tahlullah, Jwil and Flowerpot
Yes stunning scenery. Lifts the soul. I had a good time and got back safely.
Today I've updated my money - and despite going into the month owing £1200 on a CC - I'm due to leave it owing on in month spend £150ish (statement not arrived yet) so really pleased with that. It was made possible by taking some money out of savings and the energy refund but still a fab result. The remainder should get cleared payday on Tuesday.
I am on a go slow this morning - but need to make myself finish getting dressed and start work. I need to take my new tablet. I have done more this week - so maybe they are helping. Thankfully they don't appear to affect my driving so far.
I'm hoping to go swimming later. I am trying to make the most of the kind weather and be more active.
I need to put some washing in the drier too or hang it out...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 -
Great result on CC
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 -
Well done on mostly clearing the card.
Hope you made swimming "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
Thanks Beanie and Jwil
I had another tough day - almost cried at one point. Just overwhelmed. It made me wonder if it is linked to the tablets - as it was mid afternoon on Wednesday and today when I just felt past it - jittery, anxious and wanting to cry. However, in my current work I am having a lot more social interaction and associated conflict than I am used to. Really hoping that improves soon but could be another couple of months yet. If it's the tablets though - I hope my body adjusts and it stops being an issue.
The tablets have definitely helped control my appetite so that feels likely to be a win. Just need to go with it and try to improve my eating.
I made it to swimming but am utterly exhausted 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 29/7/256 -
Fingers crossed that if it is the tablet, it passes, and that if it is the job, the tablet helps.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 20252 -
I hope the job calms down soon🙏Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3
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