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Prosperous soul, mortgage neutrality & creativity Year 2
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Enjoy the ballet xI 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 -
Thanks Merlin, WD, Humdinger1 and Lucielle
DD has gone to be looked after elsewhere for a ofew days which gives me a break.
I had a lovely time watching Swan Lake. So glad I went. They are playing a different ballet tomorrow with the same company and it's tempting to re-book but I'd rather spread my treats out over the year. The theatre had flat seats rather than curved ones so were wide enough to be comfortable. I got an aisle seat and there were at least 4 seats between me and the next people along so felt blessed. I was 7 rows back from the front and I had a great view. I may check whether my home town theatre has some seats like that too as the curved ones I sat on last time were too narrow but if lower down they have a different type of seat that could be an option. My neighbour would then potentially go with me.
I'm at the hairdresser first thing tomorrow and I still need to get money out! Oops. Not looking forward to getting up in the morning. I had a McD on the way home so don't imagine I'll be sleeping for a while yet. I was also late taking my meds. Worth it. Not a school night. Can always nap tomorrow afternoon if I need to.
I've updated my spreadsheet and it turned out there was some money in the days out and eating out pot left - so still have a decent float left for the month. I sent an enquiry about a craft workshop first thing this morning but I haven't heard back yet. If they don't respond - I may go to my fave Italian... or I may visit an outlet mall and see if there are any sales items left...
Hope you are all having a lovely weekend.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/256 -
Sounds lovely4
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Glad you enjoyed the ballet. Have a good 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 McGee3 -
Enjoy being pampered at the hairdresser’s.Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 13/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Hope DD feels better soon.
Great ballet to see and one I've only ever seen clips of.
Have fun at the hairdresser and whatever treat you decide with the spare money.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Hope DD feels better soon xI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £204
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Thanks Jwil, WD, greent, MF and Skint
Lovely weekend so far. Did a little shopping after the hairdressers then I went for a 3 hour nap yesterday. I was exhausted. Done a lot of reading.
My new smart meter doesn't seem to be working (but my gas is) so emailed them.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/255 -
I mean the meter outside not just insideAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/254 -
I hope they bother to fix it for you, but it is usually the gas one that doesn't work at the start, so that's unusual. I hope he taught you how to read the meter before he left as they are much harder to read than the old ones.
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