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Prosperous soul, mortgage neutrality & creativity Year 2

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  • IAAM
    IAAM Posts: 95 Forumite
    Seventh Anniversary 10 Posts Name Dropper Combo Breaker


    I found a really pretty glass bauble today with an angel inside holding a star. So pretty - it was a gift from a relative - but I don't remember even getting it. Privileged.
    I really loved reading this part of your update. Isn't it funny how one thing can pass us by and yet, years later, the very same thing can bring us so much joy and appreciation. I think its evidence of how us having a different mindset (or our hearts being much lighter) can make all the difference in how we see things.

    I have decorations that my DDs made at school 25 years ago and I still hang them on the tree and put them up on the walls. Even more special is that I now have the privilege of hanging them next to decorations that my grandchildren have made. I am beyond blessed.
    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)
  • IAAM
    IAAM Posts: 95 Forumite
    Seventh Anniversary 10 Posts Name Dropper Combo Breaker
    Also - I'm not sure if this helps but you could see if there's a like-minded group of us who are happy to make a pact about doing more activity? Accountability can be a huge incentive and, if we don't feel able to "get moving" for our own wellbeing, then it can help knowing that we're in a group who have agreed to each other that we'll do some daily exercise. (Even if it's just a dance around the living room or going up & down stairs x number of times).
    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)
  • beanielou
    beanielou Posts: 95,676 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I am up for a tad more activity.
    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.
  • Aww you've wrapped gifts, well done! I REALLY need to start to wrap mine too (well maybe tomorrow 🙈🤣) x
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Aww you've wrapped gifts, well done! I REALLY need to start to wrap mine too (well maybe tomorrow 🙈🤣) x
    I have wrapped some - a long way left to go as I also need to wrap stuff I bought for my mum to give the kids that she will refund me.

    I did however find a few bags that had been stuffed in my coat cupboard - including lost art supplies, a fan (that I'd replaced as its been lost for months!) and a favourite cardi - plus random household items and food probably from HB. I also found a box of medicine and my missing thermometer!  Progress at least although my lounge is looking messy as the wrapping is not finished yet.


    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
  • I got my dd to wrap all the gifts and decorate for solstice!! 😂😂
    DNF: £708.92/£1000
    JSF: £708.58/£1000

    Winter season grocery budget: £600.85/£900

    Weight loss challenge 2024: 11/24lbs
    1st quarter start:9st 13.1lb
    2nd quarter start:9st 9.2 lb
    3rd quarter start: 9st 6.8 lb
    4th quarter start: 9st 10.2 lb
    End weight: 8st 13lb

    'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My DD wants paying for wrapping gifts ;)
    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
  • badmemory
    badmemory Posts: 9,696 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    My DD wants paying for wrapping gifts ;)

    I'm sorry but I'm laughing at this.  Give her her own unwrapped was my first thought.  Offspring do have their moments don't they.
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