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Prosperous soul, mortgage neutrality & creativity Year 2

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Comments

  • jwil
    jwil Posts: 22,255 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If you go to cancel audible, they'll probably offer you the option of cheaper rates for a few months.  You can also put the membership on hold for 3 months.  I've cancelled mine for now, but will rejoin again in future.

    Does your library do Borrowbox?  There's loads of audiobooks on there for free. 
    "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 McGee
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Jwil I've just done the reduced rate for 3 months and it's gone back to full.

    Good news I've had my home insurance renewal quote and it's the same as last year. My cat insurance though has gone up about £38 a year - so need to decide whether to try and move elsewhere or stick with it... 

    Beautiful start to the day. Very bright. 

    I've also gone through my spreadsheets and I'd double counted a £45 spend. Better than the other way around. My food spends remain higher than I'd like though... I did my mission for Mr A last night and so now have £5.93 in my pot there. Just got £1 cashback from Am**** it all helps. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • I have the pixel 3a and the camera is brilliant on it
  • Humdinger1
    Humdinger1 Posts: 2,345 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Landlines is magical @savingholmes...saw them live, got the CD and read all the books.  Takes me to another place.   Couldn't agree more re the power of nature.  Love Humdinger xx 
  • Blackcats
    Blackcats Posts: 3,948 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    I keep my audible subscription - I enjoy the books and podcasts and there are some good free listens in the "included" section.  For me it represents good value but I've always loved books.  I also pay for Spotify and get lots of pleasure from that.

    remember to prioritise yourself and that your pip payment is for your health, well-being and little luxuries.

  • skint_spice
    skint_spice Posts: 13,480 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely photos, are you keen on a rural life ?
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 16/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Beautiful photos SH. 
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
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