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Prosperous & Creative Soul & MFW Year 3
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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 £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 29/7/255 -
Yay holiday!3
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Wow, go girl!
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.3 -
That holiday sounds lovely.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 -
Ooh! Northern Italy? I went to Ossuccio for work - absolutely stunning! 🤩 And the food was wonderful 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.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 £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 29/7/257 -
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.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 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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