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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Oh no hope it’s not too long waiting for another test. We don’t have option to do that as I can’t drive and with hours hubby works plus I don’t think he would have the patience 😂4
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Thanks Tahlullah, Lucielle and Crazycatlady2
Well DD has got a new test date of June - so now she can go on the cancellation apps and try and get an earlier one. This way she can hopefully get it resolved before her theory test runs out. She has gone to stay at Ex's for the weekend so I get some peace.
I've just booked a week away in a beautiful apartment overlooking green fields and hills for mid April in the Yorkshire area. Looking forward to that. I spent hours looking and finally got one for £375. I will need to change my annual leave I booked at work but should be fine. Worst case I could always do a video meeting while I'm away. I'm hoping to also have a night or two away in March and see DS. Will see what happens. Very excited to have a holiday booked though. I put it on the CC for now as I don't want to pull £ from my savings to pay it yet as that's 0% and my savings are 5%+ but the money is there...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/267 -
Enjoy your weekend. Week away sounds lovely! Something nice to look forward to, and I love Yorkshire."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 McGee4
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Sounds lovely savingholmes."Think of many things, do one"
Mortgage end July £181,000 £309,749 2020 (ends 2035 -was 2038- aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga4 -
Driving tests are so hard.... I reckon most drivers would fail if retested! The nerves and the preciseness of it all, ugh.DFD March 2025 (£35000 paid off)
FFEF £20000 saved
Currently treading water while having cancer treatment and trying not to dip into FFEF too much!4 -
Your week away sounds perfect, here's hoping all goes well for DD on her next test 🤞
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345 Current Total 01.07.26 = £4411
Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 ✅
Clear V12 Finance Starting Balance 05.07.26 £600
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Sorry to read about your DD’s test. The break away in Yorkshire sounds delightful.paydbx2026 #19 £2324/£6000 . Mortgage start £148k June 23 - now £133k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.174 -
Annoying, but she'll get there in the end. I took four go's to pass!
Hooray for holiday, though - a change of scenery always does you good.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 -
Thanks Jwil, Merlin, Sandy, HSL, Dancing and Ohsh...
Having a nice weekend making art and did a little writing yesterday. Done the dishwasher twice but another load to go. Done some washing but another load to go. I want to do a bit more painting and then will try and force myself to go out for a walk. DD due home later - not sure when. Been a lovely peaceful weekend.
I've discovered Fearne's podcast which is positive and I am enjoying that...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/266 -
I like that podcast too. Enjoy the rest of your weekend.Mortgage OP 2026 £1030/2000Mortgage balance: £31,118
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120
Summer challenge £120/3004
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