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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Enjoy your time away and hope you get to chillax!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 -
Thanks Beanie, Skint, EH and Lucielle. Got here safely. Rest will work outAchieve 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 14/11/254 -
Have a lovely time. Because you're worth it
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Thanks Mark. Glad I brought my electric blanket. Used it for 30 mins before sleep and from 4 in the morning would have frozen without it.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 14/11/253 -
Ha glad I'm not the only one weaponising children 🤣🤣🤣3
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Hope you have a lovely time away SH
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved2 -
Thanks WD. I loved that story on your diary.
Thanks Ohsh.
Well just reduced my 365 fam bill from £80 to £45 via Arg0s.
Yesterday I worked most of the day just from a different place. We played a game last night which was nice and did some reading. Different scenery for a Mr A shop.
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 -
Nice photo - I think looking at towns and cities lit up is one of the best bits of the long dark winter months. There's a viewpoint near me where on a clear night you got an amazing view of London in the far distance. The Wembley arch is a great landmark fans always helps me to get my bearings on the city view.
hope you are enjoying your weekend away - a nice change of scene and good company.
I know the replacement car conversation has moved on but for what it's worth I changed my car towards the end of last year. I had a 7 year old fiesta which I'd had from almost new and paid £10k for. I was pleased to trade it in for £4,500 but the new car cost £19k. Same brand, different model, similar mileage to what the fiesta originally had. So slightly under double the cost. I was really shocked when I started browsing at the big jump in price in that 7 years. I certainly didn't have anywhere near enough in the car fund pot but the fiesta would likely have needed pricey work this year so I decided to raid other savings. I did get cash back on my payment card and OH claimed our promotional £100 Tesco voucher so that's made me feel a bit better about the spend. I'm happy with the new car and it feels good to know that it's reliable and safe. Will try to replenish savings over the next few years.
your current car sounds ideal for you and hopefully it will keep going for a long time yet.3 -
Hope you are having a nice weekend "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
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I'm sure I'm not the only one who feels nervous when using savings even for their intended purpose...I keep everything together in one pot apart from PBs to max out interest. Jan is slightly expensive (not as bad as Dec) as it's my daughter's birthday but I do budget and save all year for both. I keep reminding myself that savings will build back up. Onwards and upwards love Humdinger xx5
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