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Prosperous soul, mortgage neutrality & creativity Year 2

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  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a good visit :)
    "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
  • Your sis will appreciate the loan of cooking equipment. 

    Gifts sound good, as do the flowers, and DD is always looking for ways to boost her money!

    Enjoy your visit.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • beanielou
    beanielou Posts: 95,676 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So good things coming together for your DS  :)
    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.
  • Great that things are coming together so well for your DS - that's brilliant news! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Beanie and EH

    It's nice feeling organised for Xmas as in there's nothing more I need to buy - just need to wrap stuff. 

    I have physio tomorrow and I realised this morning I haven't even started to do the exercises yet. Need to do 3 or 4 sets of 4 exercises today and 1 tomorrow so I can at least say I've done some before my morning appointment. 

    Bank accounts looking reasonable. I need made a few amendments to my grocery order which is due Thursday. Added things for neighbour too who will refund me
    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
  • Glad you're feeling organised for Christmas.

    Your list of what has gone well this year was really impressive, so much achieved!
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • Good luck with your appointment, hope you managed to squeeze a few sets in.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • You sound very organised ;) Your sister must be happy having cooking equipment especially with kids - maybe encourage her to get one of those Instant Pots that fry, pressure cook, saute etc - mine has changed my life and I do have a full oven and hob. 

    Well done on all the savings focus, you are doing great. Your Gail % exercise sounds useful - I have not done mine yet.. In the gap after Xmas I will have a look at my spending for 2022, I think my social life is going to turn out to be more expensive than I like to admit 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
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