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Prosperous soul, mortgage neutrality & creativity Year 2

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  • Better challenge - go to the gym 🤣🤣🤣
    Playing devil's advocate here but as you can wfh a bit, have you considered a car club instead of car ownership? It does take some getting used to, it seems really expensive at first but I worked out that even a cheap say 2k car is 30 days of a car club. Thats without tax or insurance or fuel.
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks EH, Humdinger1, Beanie, WD and lucielle

    All being well l will continue enjoying my car for some time to come and who knows what technology will be in place by the time I come to replace it or what prices will have done by then. 

    EH on the £30 credit - they've said they will apply it directly to my bill within 10 days.

    I will get round to cancelling the gym honest... 

    Really manic at work this week and last. I don't owe any hours any more and am starting to create credit. However my writing group was cancelled tonight which was a shame but also good as I felt wiped. I have a busy rest of week and am now going down south on Thursday evening after counselling... I'm going to take my work stuff with me and do some of the manic work Friday as sis will be working anyway.... Trying to fit it all in by Thursday night was really ramping up the pressure!

    My cleaner is coming tomorrow and I'm hoping that she can turn my house from looking burgled again into something liveable. DD is hoping to invite some friends round one night while I'm away. She's not the party type - she just means a handful although perhaps I need to stipulate that!

    We've had hail and snow here today... I also need to fill up my car with fuel before I go away and make sure I add a spade, blanket and water just in case. 
    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
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Sandy

    Yes - I'm hoping with mine being a diesel it should go and go. I have about 62000 miles on the clock after 6 years so should be good for quite a few years yet.


    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
  • skint_spice
    skint_spice Posts: 13,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your time with your sister.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your family time.
    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.
  • EssexHebridean
    EssexHebridean Posts: 24,426 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy family time SH! 
    🎉 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
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