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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Ditto overspent. Paying Starbucks electric bill this week4
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Definitely another one overspending..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 Park4 -
Thanks WD, Tahlullah, Beanie, Blackcats, Merlin and Sandy
Wonder why we're all over-spending??
I was ill all weekend - mix of allergies and a virus. I did go and see family - but struggled a bit and worried I might make them ill too. Made it home safely. Crashed out at home yesterday. Went to the doctors today to get a couple of things checked out. He wasn't concerned about them and was reassuring. Had today off sick. Will try and work tomorrow. Just two days to work then off Friday anyway - but didn't want to risk the illness lingering by going back to work too soon.
The smart meter guys were due to come in the morning but have now switched it to the afternoon. Will see what happens.
I get paid Friday. I think I paid too much into savings this month - and so it is likely to impact my plans for April but should be able to get things back right come May.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 waiting patiently for May!
Feel better soon & don't rush back to work!! xxI 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 -
Hope you feel better soon SH.Another one who needs to join the overspending confessional! I’m putting it down to trying to help my older children in various ways which seem small but mount up!paydbx2026 #19 £1499/£6000 . Mortgage start £148k June 23 - now £133k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.175 -
Hope you feel better 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 -
Mine's car insurance, car service, buying a sewing machine and lots and lots of garden stuff.
Hope you are feeling better Savingholmes, rubbish to be ill on the bank hols. Definitely roll on May and at least we have more bank holidays to look forward too."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 am most likely going to take advantage of "Should've gone to..." 's offer of a "free" second pair of glasses - but if I go back for a second pair of varifocals they will be anything but free, sadly! Will see if I get on with the first set though I think - I'm far from sure I will!🎉 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/her2 -
They may have changed things, but when I was trying them out for the first time they told me if they were ok for me then the second pair would be free.
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Hope you're feeling better today. Take care x
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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