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Prosperous soul, mortgage neutrality & creativity Year 2

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  • mark55man
    mark55man Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I like cold but bright - unlike the foggy misty nonsense we have going on at the moment
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    No fog at the times I'm awake ;)

    Course went okay last night. There were only 5 students so looks like we'll get to know each other well. 4 of us were in the 50-65 age range and there was 1 young girl still at school/sixth form. Some interesting backgrounds. One had had a book published after a publisher heard her on a radio interview and invited her to write one - sounds like a dream...

    I was cold in the night. May need to take my elec throw upstairs on particularly cold nights. Because I was out didn't have the heating on long enough before bed. 

    I am overspending this month but still in the black... 
    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
  • lucielle
    lucielle Posts: 11,513 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope DD passes, fingers crossed. 
    L
    Total 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 #124
  • Blackcats
    Blackcats Posts: 3,905 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Good luck to DD for her driving test.  Will look out for your updates tomorrow.

    it's not easy to find an activity/exercise that suits level of fitness, time available and the apparently peripheral butimportant stuff like social interaction.  Now that spring is on its way could you commit to a short walk every day while you work out what you want to do? If the weather isn't good you could find a 10 minute workout on line.  I enjoy Get Fit with Rick which @Sun_Addict told us about on her diary.  Rick is lots of fun and always makes me smile.


  • skint_spice
    skint_spice Posts: 13,440 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fingers crossed for DD
    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: 95,691 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Positive vibes.
    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.
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