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Prosperous soul, mortgage neutrality & creativity Year 2

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @Paspatur Impressive snow and interesting looking hidden raised beds
    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 29/7/25
  • Paspatur
    Paspatur Posts: 538 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    And amazingly lots of the perennials and bulbs will survive being under the snow for weeks if not months due to no winter sun hitting the garden. Nature is amazing :)
  • beanielou
    beanielou Posts: 95,676 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That's a lot of snow @Paspatur!
    Quite a lot here too :(
    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.
  • beanielou
    beanielou Posts: 95,676 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your weekend  :)
    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.
  • IAAM
    IAAM Posts: 95 Forumite
    Seventh Anniversary 10 Posts Name Dropper Combo Breaker
    @savingholmes 

    I've just been catching up with your journey. It's all too easy to focus on the things that we haven't yet achieved, rather than stop, look behind us and see just how far we have come. Maybe you need to occasionally acknowledge all of the incredible things you have (and are) achieving and celebrate those? :-)
     
    On the exercise front, is there anything you can do just to incorporate a little bit more movement into your day? Maybe walk around the block and time yourself - and then try and do it slightly quicker the next day? Or maybe make a point of walking to the shop whenever you need to get milk (for example). If you have an upstairs & downstairs loo, you can always go to the one furthest away or, if you don't have 2 loos, then use the stairs more anyway by taking things upstairs one at a time. Another thing that I would highly recommend is a really fun lady called Lesley Sansone. She does tons of (free) you tube videos where the exercise is just walking! And the great thing is that there are different timed videos, depending on how much time you have.
    Mortgage Balance: £162,615.84 (December 2022); £163,945 (November 2022)
    Current MF date: Feb 2032.  (Previously: Jan 2033)

    Target MF date: May 2027
    (Overpayments needed to achieve this: £1,750pm!) 

    Joint spend: £391.09 (Nov)
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Humdinger1 said:
    @savingholmes thinking about it, by living life on your own terms, I think what I mean is deciding on your priorities and acting accordingly, rather than reacting to external pressure that doesn't fit with your philosophy.   You're doing brilliantly love Humdinger x 
    I am getting better at that... and thank you. Encouragement means a lot.
    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 29/7/25
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    As you know I also struggle with maintaining activity levels.  I read this interesting article the other day, and I'm going to try and do these few minutes of vigorous activity each day to make a difference, whilst also aiming to be more active generally.
    "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
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