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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Hope you had a lovely reset day, I'm definitely appreciating the warmer weather too."Think of many things, do one"
Mortgage 30Jan'26 est. £204,330 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga4 -
Thanks Dancing, Beanie, Left, Sandy and Ohsh...
Restful day today. Watched Muppets Carol film - and sent a small donation to a homeless charity - grateful not to need their services.
DD and DS came back relatively early evening - but DS has gone back with Ex and DD has gone out clubbing.
I have cleared all my CCs again now that my parents have refunded Xmas gifts I bought on their behalf. Taken the main points CC I use out of my phone wallet. My eyes have gone super itchy tonight. Not sure why. Going to go to bed early.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/256 -
Glad you had a good time and enjoyed your restful day.
"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 McGee3 -
Happy Christmas SH, glad you’ve had a relaxing time xxMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £3,600/£5,0003 -
Happy Christmas savingholmes4
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Meryy Christmas, savingholmes and belated happy new diary!
MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.144 -
Sounds like good days and times, with plenty of positivity.
Hope your eyes have settled.Mortgage started 2020, aiming to clear 31/12/2029.3 -
thanks Jwil Powers MF @FlacosFloozie and @try_harder
Had a restful day again today. Done some reading. One load of washing. The dishwasher has been on. Played two games with DS. Good day. Tomorrow I'm helping paint at BIL's while the kids still say with my sis at my parents. DS is also going to help. DD is looking forward to the peace.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/257 -
MF - eyes were back okay the next day. Did take anti-histamines though and use a special wipe.
Been painting all day today - feel a hero
I got the three of us a well deserved Chinese.
DS done loads sorting out their loft with BIL and getting a room ready to lay carpet and underlay.
Hopefully sis will be happy tomorrow. BIL seemed happy with what we got done. DS is staying over and will do more tomorrow.
I am having a smart meter fitted so may be without electricity for part of tomorrow. I also have physio (on my left arm).Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/256 -
Well done 👏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
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