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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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I meant I can use gas but the meter is blankAchieve 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 29/7/254 -
That's a pain savingholmes, hope its sorted out soon. I know when our gas meter was updated it took a while to show on the online account, but the IHD was working from day 1. It will be worth it when its all sorted - I'm really pleased I don't have to go out to the meter box anymore and take readings."Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga4 -
Almost Feb but happy new year. I know.
Ballet and new hair. Sounds good to me
Will catch up with older posts soon.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Welcome back DIA!
Thanks Sandy.
Well DD returned yesterday and is feeling a little better. She may need to borrow most of my (extra) float for the month - so I need to be disciplined now until pay day. She's planning to go to the shop tonight - so will get her to pick me up some potatoes, frozen peas and milk - and then try and manage on just that this week. I've spent far too much on groceries again.
I made a chilli yesterday - it was okay but not my best. Made a high veg pasta and added some bacon strips. The latter is very tasty. Between them that should do about 6 meals - but it depends if I need to feed DD some of the chilli. I potentially need to defrost some of my YS cajun chicken and cook it with onion, potatoes, peppers etc - but that should do 3 or 4 meals too...
I've been exhausted recently. Part emotional, part not active enough and eating wrong and who know what else. Hope it improves.
Received £5+ after fee from San-der - cashback. It all helps. Mortgage goes out in a couple of days but the money is sat there waiting so that's fine. Looking forward to knocking another payment off.
Need to make myself finish getting ready and start work.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 29/7/256 -
Glad DD is feeling better. The energy thing is strange isn't it - you have to use energy to tell you body to produce more energy. I feel much better these last couple of weeks after consciously keeping my steps up (even marching in the sitting room) and weight resistant training - all low impact but, better diet and vitamins have improved my whole energy quota.Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20226
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Sorry you're on the down side SH.
Maybe a nature trip is in order?5 -
Can relate to the exhaustion, hope you come through the other side soon. Swan Lake and hairdressers both good self care activities, well done.
Pleased DD is on the mend too x5 -
Thanks MFD, WD and Dancing
I need to make myself be more active, eat more fruit and veg and less junk. I need a reset day I think - where I partially fast to get rid of the sugar cravings. I'm proud for making myself go to the ballet - it was kind of easier as it was last minute so no time to chicken out of it. I need to make myself go out more often.
I've met some important deadlines today - so hoping that manic Jan doesn't become manic Feb at work but time will tell. DD is due to stay at Ex's a couple of nights over the weekend which will be good. I think it's a combination of work, family stuff and probably too much escapist reading - which is still exhausting even if enjoyable. Need to pace myself better. Very glad we don't live in a land of vamps, weres etc...but my dreams sure have been funny recently with all the YA fiction I'm reading!!
I'm going into work tomorrow for a change of scenery - and have to go in at the end of the week too. It will do me good. Need to take lunch with me and perhaps early tea!! Might help with my eating to be further away from my 'snack chamber'.
Apparently my outdoor meter may not be broken - I have to press a button for it to show anything... so will give that a go one day this week. Weird to me that it's blank! The so-called smart meter isn't working - seriously unimpressed. Don't believe he set it up properly - so may have to give it a go myself - but the whole point was for it to be less effort but this all just feels like more...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 29/7/256 -
Sent £25 to savings yesterday.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 29/7/256 -
I always find it's less the escapist reading, and more recalibrating myself to reality that's the exhausting thing. Which makes it even harder to avoid slipping into!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20254
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