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Prosperous soul, mortgage neutrality & creativity Year 2
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savingholmes said:.... I may mow the lawn before the dandelions take over..."Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga5 -
I was just about to say what Sandy said - don’t mow until May! It’s better for the bees.Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Mr A do lovely knickers - I usually get their high-legs with lace right round the top - SOOO comfy!
As for dandelions - we had a goldfinch down picking the seeds out of ours the other day!
Glad the dentist looks like not being too pricey and it was something that was essentially just wear and tear rather than being something you'd done to cause the break.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
In year 2 of the Prosperous Soul program, participants explore mortgage neutrality, a strategy for paying off their mortgage and achieving financial freedom. The program also emphasizes creativity, encouraging individuals to tap into their unique talents and gifts to generate additional income streams. Through a combination of financial education, practical exercises, and community support, participants develop a mindset of abundance and learn to create a prosperous life on their own terms.
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Participants in the Prosperous Soul program are challenged to rethink their relationship with money and shift towards a more intentional and empowered approach to their finances. The program also emphasizes the importance of generosity and giving back to others, as a means of creating a positive ripple effect in their communities. Overall, the program provides a comprehensive and holistic approach to achieving financial freedom and creating a life of abundance and purpose.
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Well done on the decluttering! Good news about the dentist as well.
Another vote for keeping the dandelions, they are all over my garden (and I don't have a lawn) but they are so bright and cheery, and good for the wildlife so I don't remove them until after they've finished."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 -
well done on the words, the gardening and all your focusDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest3 -
Thanks Beanie, WD, Sandy, Skint, EH, Jwil and Lady
Good luck with your bridge Beanie.
Thanks everyone for the encouragement. I had my hospital appointment today - and got very stressed on the journey due to roadworks and the kind of appointment it was - but I got through it. I'm booked in for the dentist for June - but have been put on a short notice list.
Well first day back at work done. Glad we have a couple of long weekends coming up.
I transplanted the broccoli seeds into cardboard type pots. My peas are close to 10cm tall now and at least 4 of my beans have now sprouted. My dill is doing well. Most of the other names I wrote on wooden markers - are unreadable. I have however now found plastic markers!! Typical. It will therefore be a while before I know what's what.
I mowed the lawn but have plenty of dandelions left. Thankfully I also have grape hyacinth, forget me notes etc. I planted a couple of blueberry plants today - one in a pot and one in a raised bed. I have lots of blackcurrant canes in pots that are going strong as well as some under my apple tree. I may text the handyman tomorrow to find out when he's next free to do a bit more in the garden.
Night all. Happy money saving.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 29/7/256 -
Your garden is sounding very productive. Still need to get blueberry bushes.
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 -
Sounds like the garden is blooming, even if you're not sure what with. Do like a good grape hyacinth!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20254
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