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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Merry Christmas SH 🎄
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living2 -
Have a lovely Christmas3
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Merry Christmas 🤶🎄🎅Mortgage OP 2026 £1030/2000Mortgage balance: £31,118
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120
Summer challenge £120/3003 -
Hope you have had a great day…Merry Christmas 🎄.paydbx2026 #19 £2324/£6000 . Mortgage start £148k June 23 - now £133k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.173 -
Merry Christmas 🎅Mortgage started 2020, aiming to clear 31/12/2029.2
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Thanks Beanie, Jwil, Lucielle, Chrystal, MF, WD, Left, FS, Blackcats, Skint and HSL
I had a lovely day yesterday - and a lovely few days with DS. Both kids have gone to Ex this morning so I have the day to myself. DD is coming back tonight but DS is staying over. Then DS comes back tomorrow night and then we're going to go and help sis get her house sorted. He will then stay there a couple of days and who knows after that.
This year has been a lot easier than last. I'm even grateful for having a reset day to myself today. Feeling blessed - especially as its been warmer again... It was 24 degrees at my parents LOL.
Hope you are all having a restful, fun time and not over-doing it!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/268 -
Glad you had a lovely day 😁'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £1471.53/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £1471.53/£6700
'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'3 -
Priceless memories.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 14 months left.3 -
All sounds lovely, enjoy the reset day 😊
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.07.26 = £4411
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 ✅
Clear V12 Finance Starting Balance 05.07.26 £600
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Glad you're having a lovely Christmas
DFD March 2025 (£35000 paid off)
FFEF £20000 saved
Currently treading water while having cancer treatment and trying not to dip into FFEF too much!3
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