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Prosperous soul, mortgage neutrality & creativity Year 2

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  • jwil
    jwil Posts: 22,197 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a good break overall despite all the challenges.  Good that you had lots of time to focus on art.

    We've still got the little feline friends too.  We've never had an issue like this the whole 17 years she's been with us!
    "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
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jwil said:
    Glad you had a good break overall despite all the challenges.  Good that you had lots of time to focus on art.

    We've still got the little feline friends too.  We've never had an issue like this the whole 17 years she's been with us!
    I'm glad it's not just me on the little critters - I don't remember ever having such a prolonged issue before. The applied ointment is doing something as they are slow moving but it doesn't seem to be killing them off which is irritating. The cat wanted prolonged cuddles after having been away - but I didn't want any bites! They were moving all over his head yesterday. It absolutely gives me the heebie jeebies. Combed out more today. He's due at the vets for vaccinations on Thursday or Friday so I'm hoping to get better quality, longer lasting treatments for fleas and worms at the same time.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • lucielle
    lucielle Posts: 11,535 Forumite
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    Sorry to hear the holiday wasn’t quite what it could’ve been. Poor puss cat, hope the new treatment works. 
    L
    Total 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 #124
  • Glad you managed to get some art time even if it wasn't exactly the break you needed.

    Poor kitkat, and yes definitely if you've been using non prescription get something that works when you're at the vets.

    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • Blackcats
    Blackcats Posts: 3,943 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Interesting quirks at the holiday cottage.  Glad that overall you got some rest and recuperation .
  • beanielou
    beanielou Posts: 96,035 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I would text or email. 
    It’s really not on. 
    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.
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