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Prosperous soul, mortgage neutrality & creativity Year 2
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Lovely crafts
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 -
Ooh lovely @savingholmes you are talented xx3
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Thanks FS, WD, Jwil, Skint, @Humdinger1 and Beanie
I've since added my nephew's name to the owl using gold thread and pipe cleaners. Hope he likes it. Planning to give his brother a sock monkey I made a few years ago. Just hope they / their parents appreciate them.
DS arrived super early today - most of his stops got cancelled which meant he came straight here instead of his Dad's. He actually woke me up to tell me!! We nipped out and bought 3 more bird huts (£3 each at HB if you are looking for ideas) to decorate - so hopefully that can be a project for me, DD and DS tomorrow at some point.
Luckily the food I bought yesterday was easy - garlic bread and pizza for lunch and then lasagne and chips for tea today. Tomorrow we're having steak and chips for tea - but may have something simple like macaroni at lunch as I hadn't planned for him being home that extra meal. The only meat I think I have in the freezer is for roasting and I was planning to save that for New Year.We're at my parents Xmas Day and then the kids go off with Ex Boxing Day. DS isn't due to be here for food on the 27th but who knows. Pretty sure I have mackerel in the freezer so will still be a treat of a sort that I can have Boxing Day and I'll have one spare steak. I'm also planning to make some cheesy potato skins using sour cream.
I've made DS a choc fudge cake with white jazzes on top. Looking forward to eating that.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 29/7/253 -
Craft heavenAchieve 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 -
Enjoy the time with 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.3 -
Love the bird boxes, shame we don't have a HB nearby. The cake looks delicious!
Have a lovely Christmas 🎄 "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 -
Have a great Christmas.LTotal 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 #1243 -
Hope you're having a fabulous time with the offspring! ((((hugs)))) XXI 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 unhappy3 -
Enjoy your Christmas!3
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Merry christmas 🎅 🎄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'2
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