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Prosperous soul, mortgage neutrality & creativity Year 2

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Comments

  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Merlin and Skint.  At hairdressers now. Then need to go home and tidy up ready for a viewing this afternoon.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • jwil
    jwil Posts: 22,248 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry work is tough, and hope it all settles down soon, same for the medications. Well done for going swimming.

    Good luck with the viewing today, hope it goes well.
    "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 McGee
  • lucielle
    lucielle Posts: 11,550 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you managed to go swimming, still not made it myself yet.
    L
    Total 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 #124
  • Chrystal
    Chrystal Posts: 2,005 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Hope you're OK.  XX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Sorry to hear work hasn't settled yet.
    N.Wales is stunning, I spent many weekends there.
    If you've got lavender growing at home, snip some flowers off, let them dry and put them in an organza bag or similar, slip them inside your pillowcase. 
    Please start to allocate some proper 'you' time, spend it relaxing, listening to a podcast.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • jwil
    jwil Posts: 22,248 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the meds seem to be making a difference, hope it continues and the anxiety improves.

    Enjoy your afternoon :)
    "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 McGee
  • KajiKita
    KajiKita Posts: 8,106 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    There’s a lot of nuance to negotiate with these medications, aren’t there. 
    Hope the drive bys are interesting / positive. 😊

    Interesting to read that wanting a dopamine hit is likely driving your eating. I have a similar pattern - I wonder if there are other ways of getting the dopamine hit without either the food or the meds? 🤔 Sounds like the meds are the right way for you, and good luck with the increased dose, I might try doing some research in body-hack type alternatives.

    KK
    As 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 51 books of target 52 in 2025, as @ 17th September
    Produce tracker: £389 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. 
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