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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Thanks HSL, Jwil and Blackcats
My garden is bringing me joy - although it's also yelling - mow the lawn, paint the fence etc... as now the ivy has been cut back and the bamboo we can reach panels that were covered before...
DD kindly helped me with decluttering for 90 minutes. Just took 3 bags to charity and will do a tip run tomorrow - once I've sorted through some electrical cables. I seem to have so many and I don't need at least a crate full so will aim to take that and an old quilt and some other stuff to the tip. I also filled a bag of books for charity - and half filled another charity bag and filled a bin bag. Progress.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/257 -
WEll done on the decluttering.
I have been doing the same today!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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
Can dd come and help at my house? 🤣🤣🤣3
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Love a declutter., well done you!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 #1243 -
You're totally refreshed after the holiday and decluttering a lot, which is good to read. It's worth asking CS's if they want the cables too as some take electricals.
Well done for writing so many words, perhaps the breaks double up as a retreat and are possibly cheaper too.
Is DD happy with her car?Mortgage started 2020, aiming to clear 31/12/2029.4 -
Thanks Beanie, WD, MF and Lucielle
Thanks now on 50,708 words having added a few thousand more this weekend. As importantly I've outlined some of what needs to happen next even though I haven't written it yet so I have a better idea of where to go next.
Yesterday a crown broke off so I'm at the emergency dentist later. The call out is free (covered by insurance - and he's waived the £20 excess) but it depends whether he can reattach it or whether I need a new bridge... Could be expensive.
Before that I need to have a shower, do my washing and take some stuff to the tip.
I think DD could have an alternate role as a declutterer and organiser if she ever wanted it. She enjoys it unlike me.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Good news - my dentist isn't going to charge a fee for being seen today. I need a new crown - but can get a white one made instead of a gold one which will be a win. The tooth is already root canalled so not as big a job - so with the insurance I have in place I will have an excess of £103 to pay. He said what I'd eaten wasn't really to blame and that it was due for replacement anyway. That made me feel better.
I'm going to have a coffee and then nip to Mr A's clothing section. There's a dress for £12.50 I like if it's still in stock. I also bought new pretty knickers during the week and they are really comfortable so I'm going to buy more. I then have a Mr A delivery coming later.
I've done one lot of washing. I now need to sort the next load. I may mow the lawn before the dandelions take over...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
I may go to Mr A tomorrow instead as there's a £5 mission I need to do but it has to be on different days.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
I am having a bridge down on Wednesday.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
Good news on the money front if not the tooth front3
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