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Prosperous soul, mortgage neutrality & creativity Year 2
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Glad you had a good day. Enjoy your weekend."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
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View of 5 counties
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 -
Lovely photos. I do like a church and stained glass windows.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 #1242 -
Lovely pics!"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
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Love the clouds in those first two photos @savingholmes- makes me want to get my paintbrushes out."Think of many things, do one"
Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga2 -
SandyShores said:Love the clouds in those first two photos @savingholmes- makes me want to get my paintbrushes out.
I though that too Sandy - almost like a painting.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living3 -
I look forward to seeing more of your art FS and Sandy
Thanks too to Jwil and Lucielle
DS made a huge effort. Clean and tidy shared flat. Steak and home made Parmentier potatoes, scrumptious.
We went to see a huge stone circle and also viewed a horse of chalk in the hill from a distance. Had coffee, cake and ice-cream there.
He drove and it made it so much easier. He really enjoyed driving my car. We went to a good gastro pub tonight.
I am now recovering at a pretty B&B with views over a canal.
Having a lovely weekendAchieve 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 8/5/2611 -
Sounds like a lovely weekend ☺️
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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Gorgeous pictures, and sounds like your son and you made some lovely memories @savingholmes Hope you enjoyed the B&B as well.Live the good life where you have been planted.
Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary3 -
That sounds like a lovely weekend was had there SH!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3
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