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Prosperous & Creative Soul & MFW Year 3
Comments
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Fabulous to read that you've booked a holiday. It's yet another step forward in your independent life and will revitalise you. Can you imagine writing on here 2/3 years ago that you were off on holiday with your suitcase containing bikinis?3
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Thanks Lucielle and Black cats.
Off to Italy to stay in a lake town. It looks stunning. Will be 8 years since I last flew. Paid for extra leg room and picked a place with shortish flight. Excited.
It would have seemed an impossibility earlier this year even...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/265 -
Yay holiday!3
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Wow, go girl!
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.3 -
That holiday sounds lovely.Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30003 -
Ooh! Northern Italy? I went to Ossuccio for work - absolutely stunning! 🤩 And the food was wonderful 😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 24 books of target 52 in 2026 as @ 4th April.
Produce tracker: £59 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Thanks WD, Beanie, Skint and KK
I'm geographically challenged KK - so you may well be right!! I'll drop you a PM.
I got the mirror from the Swedish shop and was very disciplined and only bought that from there. There was a nearby MnS so I now have a multi-pack of soft comfortable bras that are 2-4 inches smaller than the bras I've worn so far this year. That feels another milestone. I also got a couple of camis with in-built support and a pair of shorts. I heard your words in my head Jwil - and tried not to over-buy.
Today I was going to wear a blue pair of cropped trousers that I wore when I weighed more - but they started to slide down - so I had to change into one of my new pairs. That too felt a total result - even though I really like the first pair. Tomorrow I should be able to pick up the trousers with the new zip.
What I realised after I got back from a stint child minding and shops was that the mountains I drew last year in one of my art pictures (and shared on here) are from the region I'm now going on holiday to. That feels meant to be. I've always fancied a lakes and mountains holiday but it was always out of financial reach. Fitness wise I think the most I'm likely to be able to do is ride up a cable car rather than trek afterwards but even that would be a huge win as the views look amazing. Another of my bucket list items is to try paddle boarding - and there's an affordable option for that on the lake so it might be possible for me now I've lost weight although balance is an issue for me at the best of times - if not they have other type of boat options which could work out and either way if the weather is warm I should have fun trying. I think I also read that there was a ferry. I see some sort of time on the water in my future.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/267 -
Holiday sounds ideal I’m sure you’ll love it. Well done on the shopping sounds much more considered than when you usually report back. I have a friend who has to have everything in all colours she had so much clothes but cannot stop herself. Must be lovely to need smaller clothes well done hope it continues.Moved to Denmark for FIRE by Aug 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest4 -
Holiday sounds great! Well done on not overbuying though I feel like a nag now
. "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 listening to the inner jwil! Holiday sounds lovely (still very jealous) and is at the right time for you. How long are you going for?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 #1245
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