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Prosperous & Creative Soul & MFW Year 3
Comments
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Well prompted by MSE - I checked out my Mr T vouchers - and I knew I had at least £3 - but it turns out I had £16.50 plus another £5.5 that could be turned into points (after they re-credited me some expired vouchers). That means my planned bowling treat with DD and her BF can effectively be free on my birthday which is lovely and I have enough vouchers for another day. (£9 bought me £18 worth aka 2 games each). Still need to decide what I'm doing about food that day but that feels like a birthday gift just there...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/257 -
It's surprising how quickly that 2 years comes around & almost bites you. Many many years ago when you could get 4x it actually paid for my holiday except my single & flight suppliments. Those days are long gone now. I spend mine on magazines now. I think that this will be the last year I will be able to use them for renewal though.
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It does get annoying when they change what the vouchers can be used for. I end up using them for my shop5
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Great news about the vouchers."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 McGee4
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That’s good use of the vouchers. Your garden sounds like it’s coming on leaps and bounds.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 -
Cats were worshipped in ancient Egypt and have never got over it...8
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Funny!Humdinger1 said:Cats were worshipped in ancient Egypt and have never got over it...
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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20254 -
Mine still are!Humdinger1 said:Cats were worshipped in ancient Egypt and have never got over it...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.5 -
Mine require it to be so ….! 😉beanielou said:
Mine still are!Humdinger1 said:Cats were worshipped in ancient Egypt and have never got over it...
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.6 -
SH , I hope you are having a lovely weekend with your DS. Your garden is a riot of colour it's delightful.Life is an adventure, never stop exploring.3
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