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Prosperous soul, mortgage neutrality & creativity Year 2
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Lovely photos, it looks very restful.Mortgage OP 2025 £6250/7000Mortgage 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)4 -
The Salt Path is utterly wonderful @savingholmes! I've read books 2 and 3 too and went to see the band play for my birthday! The voices of land and sea rise up mysteriously I find. Love Humdinger xx5
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I think I saw someone recommend it on here. Then I heard the author on Happy Place - so gave it a go.Humdinger1 said:The Salt Path is utterly wonderful @savingholmes! I've read books 2 and 3 too and went to see the band play for my birthday! The voices of land and sea rise up mysteriously I find. Love Humdinger xx
Waves at Skint_Spice
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 -
Love the duck photo! Something so cute about ducks.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 -
Glad that you had a lovely day.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.3 -
Lovely photos as ever!
I've recently listened to the Salt Path too, loved it. I also enjoyed the second one and waiting for the third to become available at the library."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 -
Might have been me recommending The Salt Path. Like @Humdinger1 I read the follow ups too. They were good but not as good as Salt Path. I do believe in the power of walking and the power of nature to transform our lives
Great pics.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) 25/0720255 -
Thanks Lucielle, Jwil, Beanie and DIA
I have listened to the second in the series now too and enjoyed it. But waiting for next credit before getting book 3. I always have to return to nature when my mental health gets out of whack but am envious of their walking and climbing ability - honed when they were young.
I went to the writing class again tonight but was disappointed again - so think I will just skip the remaining 3 sessions. It didn't help that the chair collapsed from under me as soon as I sat down. I wrenched my neck and shoulder and banged my leg - plus of course the embarrassment factor. When I reported - the lady was very hectoring - so severely unimpressed. I think my friend and I will just continue to meet up in future instead.
In better news I am going to watch a musical tomorrow with a friend so really looking forward to that.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 29/7/254 -
I also sent £25 to savings this week.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 29/7/254 -
Wonderful @savingholmes! Why you should be hectored for sub-standard chairs escapes me...hope your injuries aren't too painful. Onwards and upwards love Humdinger xx4
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