We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Prosperous soul, mortgage neutrality & creativity Year 2
Comments
-
Honestly - it’s being so cheerful as keeps you going isn’t it!badmemory said:Pity she can't have the shingles jab until she's 70 (at present anyway). Once you have had it it is likely you will get it again & the older you are the more painful it gets for some reason.Poor DD SH - no wonder she’s feeling rough - just tonsillitis on its own is plenty bad enough. I really hope she’s on the mend soon.🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Thanks Beanie, WD, TH, Skint, Leigh, Jwil, Lucielle, EH and BM. Yes - I read it's unlikely that you get it more than twice though. At least she had had chickenpox as a kid.
I've been exhausted all week - combination of the weekend away and travel and it's manic at work. I was at the dentist this morning for appointment 1 of 2 for my bridge. At least I paid for it before Xmas so it's not hanging over me now.
Today has been a tough day for lots of reasons. It was lovely to come back to so many posts!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/266 -
well done for soldiering through a lot of stuff SH, and hope your DD recovers swiftly - if it had to happen at all better now than later.
For the chicken pox itch we used the trick of filling the legs of some stocking/tights with oats and using a loofah. can't remember all the details as it sounds very messy but I recall it was soothing - there's only so much camomile lotion you can use. This may be truer for small kids - ours were reception age . https://www.google.com/search?q=chicken+pox+-+stocking+oatsI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
It’s always hard when someone around you is poorly too isn’t it - you worry far more about them than you, and that’s stressful in itself. Hopefully you’re lined up to have a restful weekend?🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Sorry to hear about your poorly DD - I hope that she improves soon.
the weekend is nearly here so you might have an opportunity to re-charge your own batteries too.
4 -
Thanks Mark and EH and Blackcats - life is just hard sometimes.
I did more travelling yesterday so will need to refuel - which will take me over budget on fuel. My food budget is shot this month. Still 2.5 weeks until pay day. I need to make more use of what's in my FF and tin cupboard. Hopefully I can do some batch cooking over the weekend and that will then help.
I have just blown my budget a little further as I've just booked to go to ballet tonight!! Need to rush round and get out the house and get there now! My first ballet other than village performances as a kid... A bucket list item...
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/267 -
Sending love to you both @savingholmes. You need some treats! Humdinger xx4
-
Love the ballet4
-
Enjoy the ballet.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 #1244 -
Poor DD - shingles is meant to be horrific so hope she's feeling better soon.
Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +14
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.5K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.5K Spending & Discounts
- 247.4K Work, Benefits & Business
- 604.3K Mortgages, Homes & Bills
- 178.5K Life & Family
- 261.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards