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Prosperous soul, mortgage neutrality & creativity Year 2
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Those are impressive savings…well done. Hope you have enjoyed your day with or without your nephews/nieces.paydbx2026 #19 £1499/£6000 . Mortgage start £148k June 23 - now £133k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.173 -
Thanks Jwil, FS, Skint, Beanie, Lucielle, Tahlullah and HSL. Always lovely to come back to posts. Very grateful for the savings. Keep having to resist temptation....
Just after I posted BIL rocked up with the kids. He'd told DD he was coming but not me - and she hadn't communicated either. I had a lovely time with the littlies - fishing leaves out of my pond, doing crafts and then going to a park and onto a lake on a little boat. We were all worn out by the time we got back. BIL had bought some food to make for tea which I supplemented with some gammon.
DD has put a deposit down on a car - which is having a service, mot and a couple of niggles fixed and then should be hers this coming weekend.
Mortgage went out today - so around £656 came off the principal.
I have a meeting at 10. Glad it's a short week this week and next - and then I'm on my holidays for a week.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 -
Yay for DD. And fun time with small people3
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Thanks WD. Finished early today - had no concentration. Think will go into the office tomorrow to break up the week. Beautiful day outside - need to make myself go out in it!
I need to clear some stuff out my car - and then preferably buy some more soil and bark... I then need to get seeds planted. I did put another load of soil in a raised bed last week but there's a long way to go! Garlic still growing well. Want to plant some sprouting potatoes today - and then that's at least one job done...
I unpacked and packed the dishwasher earlier. Also done a load of washing. Need to get it hung out to dry. Need to buy a couple of replacement retractable washing lines too.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 -
Glad you had a nice weekend. Hope you manage to get out in the sun."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
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our potatoes are going in this weekend, hopefully the soil will have dried out abit more.
seaweedx3 -
Fantastic savings, haven't taken you long in the grand scheme of things and you've done a lot along the way too.
Glad to hear DD has a car sorted out, one less thing going on in the background.
Maybe there's a one bed property with a sofa bed in the lounge, which could keep holiday costs down.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Offspring driving themselves about is wonderful 😂 hope she passes soon.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30003 -
Thanks Jwil, MF, Skint and Swaying...
Yes I'm really looking forward to when she passes. More freedom for both of us.
I topped up my fuel today to make sure it lasts me to payday for £28. I also went and bought some extra food £22 even though I had a delivery coming £60... Keep adjusting my budget... I have spent what feels a lot on food. I'm really into a certain hazelnut choc spread again having had it on my waffle a couple of weeks back... Drizzled over strawberries, icecream and chopped nuts...
Window cleaner came today so that took all my spare cash and I still owed him 80p!
Mowed a quarter of the lawn and then the battery ran out... Now on charge will try again another day.
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 -
Well done for getting the lawnmower out!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park3
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