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Prosperous soul, mortgage neutrality & creativity Year 2
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You must be looking forward to seeing DS. Hope your cleaner has worked her magic.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 -
Pleased the cleaner has been. Hope you have a lovely weekend when it arrives ☺️
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345
Clear the M&S Card Starting Balance 03.05.26 £600
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Enjoy your time with your DS.
Food for the weary soul.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.4 -
Thanks Lucielle, Beanie and Dancing
Very excited about seeing DS Saturday and Sunday. Not seen him since the Xmas period as far as I recall. Staying with my parents two nights beforehand.
I've got a load of washing on and have another to do. I still need to pack but am also working today. I have access to flexi though - so if needed can flex a little.
£25 has gone into a regular saver today. I will need to keep track of my savings interest post April and may need to declare them - so will need to review which is the best way of doing things. I'm using AVCs to cancel out any HR tax but ISA rates tend to be much lower than other savings which I find irritating.
I need to finish getting ready for work. I have a meeting soon and have already taken a works call thankfully no video as still in PJs!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 -
I am pleased to report after 11 months I finally have a second airt*** reward.
I have just paid for DS to be able to drive my car for two days so I can test whether worth trying a longer holiday. £35 so not too bad.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 8/5/266 -
Hope you have a lovely weekend with DS.
"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 McGee2 -
Have a lovely visit to your parents and enjoy your weekend with your DS. Sorry if I've missed it but what have you got planned to do together at the weekend?3
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Thanks Jwil and Blackcats
Going to a horor type house with escape room. Plus some Regency and Roman stuff. May go for a drive and let DS drive done 2 day insurance and look at graffiti. Will post pics.
Trip going well so far. Looks like my Dad can fix some beads on parcel shelf on car. Also going to try and buy compressed air can and see if can get rear washer working. Others convinced me I didn't have one but turns out I do just not working.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 -
Good luck with the car. You could try poking a pin in the hole. 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 #1245 -
Thanks Lucielle. We used garden wire but that wasn't enough to make it work again. My Dad sprayed it with some rust eating stuff to see if that would help. Will test today. Need to get some compressed air still.
Yesterday we drove to a pretty village/town and went around a church. Inside were choristers practicing some of the most exquisite sounding music I have ever heard.
We bought tickets and went to a concert that evening. Made it a memorable day. We also did some walking.
I'll find the WiFi password and then upload photos.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
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