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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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My newest CS dinner set
So prettyAchieve 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 -
That is very pretty!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 -
Another one here overspent on gardening things this month and going to sort out from next month's pay. Well done on the decluttering, you'll get there. New plates are very cute
"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/yoga3 -
The plates are lovely SH .Life is an adventure, never stop exploring.3
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The plates are really pretty, I can see why you wanted them. Sounds like you have plenty going on in the garden to keep you busy as well.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 20253 -
Hopefully the garden spends can calm down now. They will be worth it in the long run.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)3 -
Well done on the decluttering
I have done some old clothes recying today & even been to the recycling point
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.4 -
You've had a really productive day! Plate is lovely as well.
Hope you have a lovely day today "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 McGee2 -
The plate is beautiful. As long as you keep using the china and getting pleasure from them, that is fine.
Decluttering things we don't enjoy as much makes room for the good stuff
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
@savingholmes an Alice dinner service is an actual thing???!!!! The half was not told me. Please don't berate yourself; I used to look at those Bunnikins sets and sigh over the fact that they didn't come as dinner services...or maybe they do now? Love Humdinger xx3
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