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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Photos look great of the NT and your garden is coming alive.
Fantastic achievement with the mortgage in a very short space of time.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Lovely photos!
Well done on breaking the 10K paid off barrier on the mortgage!"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 -
Thanks EH, Jwil and MF
It is nice when you reach a mortgage milestone.
EH - bulbs are funny things. I've got quite a lot of grape hyacinth coming up, a few daffs and tulips but only 2 crocuses out of all of those are in flower so far.
Went to Mr A after counselling. Picked up a rotisserie chicken, some YS veg and then some prepared roast potatoes. So DD and I are having that for tea. Also making a veg soup. I had £3 in my rewards pot that I used towards it which was lovely. I also picked up an Orchid for £6 as I have a few but none currently in flower.
Only 1 day left to work before the weekend. I'm hoping to try and be more active - will see how things go. DD is going away all weekend to see a uni friend which is good for both of us.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/268 -
EH - I hadn't twigged it was the lack of C Tax but that makes perfect sense.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/265 -
@savingholmes - the only thing flowering in my garden so far are the crocuses, just lots of green shoots for everything else.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: +15 -
Congratulations on your mortgage milestone SH! I hope you enjoy your weekend. Coincidentally I was just looking at some garlic cloves that have sprouted on my kitchen shelf, and wondering if I could plant them out. Is that what you did?4
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Nice to see garden pics
Hope you enjoyed your veg soup.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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20254 -
Lovely pics SH DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4 -
I'm glad you have crocuses Merlin. Not bad for a new build.
Thanks Ohsh... DIA and StarlightStarlight_at_Sea said:
Just split them into individual pieces and plant them. I put mine in when they just looked dead....Coincidentally I was just looking at some garlic cloves that have sprouted on my kitchen shelf, and wondering if I could plant them out. Is that what you did?
I wrote a poem this week which sent me on a bit of a spiral. Trying to shake free of it. I went on a bit of a stationery spending spree... Ah well... I'll use the stuff up I'm sure... Still have float left so no real harm done.
I've lost one of my car key sets around the house - I need to find it as my existing key the car warned me the battery is going on it... So need to resolve that and find the other set asap.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/267 -
Lovely garden pics SH, I’ve been neglecting mine. Got some mini daffs flowering and lots of shoots. Will try to do some garden jobs over the weekend.Have a good one, sounds like you’ve got a lot coming up xMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £5,075
MFW 2026 #27 0/£10004
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