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Prosperous soul, mortgage neutrality & creativity Year 2
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I hope she gets a car she likes!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 Park5 -
Thanks Tahlullah - just hoping it will be a good runner.
Well the handyman came and did a good job. He finished digging up the bamboo and cleared weeds for me too. He'll come back in a couple of weeks and do some other odd jobs.
I mixed some compost and perlite and loaded up my seed trays and some other cardboard type pots. I've now sown some peas, beans, dill, lemon grass, artichokes, purple basil, coriander, broccoli, eggplant... Will see what comes up. I still have 3 trays to use within a propagator type thing... but not sown them yet...
Last night I struggled to sleep as I felt I couldn't breathe. I put it down to my weight - but DD has been having a severe pollen reaction so I think it is more likely to be that - which I only realised today. Mostly stayed inside today - but I've taken some antihistamine and ibuprofen as I have a bit of a sore throat. May do a covid test before I travel to see family on Sunday. I've put the heating on a little today - as I'm less tolerant of cold when I feel under par.
Been doing some more colouring recently which has been enjoyable. I stick my colouring into my journal though - which makes them use up much more quickly which is a bit of a shame - but the plus side is if I go back and re-read they are more beautiful. Coloured while listening to B Brown's book on emotions... Very thought provoking.
I made a lovely roast beef dinner today. DD ate other stuff - but enough for leftovers for her and me tomorrow - and probably more meat besides. Will need to do more roasties after tomorrow though.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 -
Love a roast dinner. Roasties are my favourite bit!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 -
I paid £100 for my first car - loved it!
Hope you are feeling better today.
Roast sounds fab, we've got a beef joint for this weekend as well.
Have a lovely 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 McGee3 -
Hope you feel better soon.
Seaweed x4 -
Thanks Lucielle, Swayingseaweed and jwil
Still struggling with allergies and sleep still disrupted. Sadly, despite the nice weather trying to stay in as don't want allergies to get worse.
Had a haircut and colour today which was nice. Then went to my fave Italian for spag bol. Brought a portion back to enjoy another day. A bit of self care for me. Have over-spent this month but it impacts float / savings rate rather than anything more serious.
I've booked an Optician's appointment. Apparently with VE I can get a 20% online discount which would be amazing - so ironically - probably need to have test and come away to get discount. I'll discuss with them on Monday. I can reclaim £155 anyway. My left eye seems fine but my right eye seems to have a problem long distance - so fine together but not if you do the one eye covered test. That is likely to majorly impact planned savings for the next couple of months but it's self care so important.
Hope you are having a good time where you are. DD and I are going to see wider family tomorrow which is a bit of trek. Hope we're both feeling more perky by then!!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 8/5/269 -
Tis the time of year - I'm allergic to tree pollen and mine have started up already. Have a nice day with your familyStart 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 -
Hope you are having a good family day savingholmes and a safe journey. VE are really good with discount if you ask them in-store. I used the 50% off a second pair last time and bought some prescription sunnies, and then ended up buying another pair of non-prescription sunglasses and contact lenses. You're right its good to have that self care. Don't forget you can earn nectar points too.
Another one here who has overspent - seems strange saying that when we have our emergency funds, but its all in PBs so its easy to forget about it and good for being not tempted to dip into it. May is going to be a low spend month for me in terms of personal spends - but I have so many books and things to do it will probably be a good thing."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/yoga3 -
I hope you are having a nice weekend and that the allergies are subsiding and sleep improving.
3 -
Also overspending
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
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