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Prosperous & Creative Soul & MFW Year 3
Comments
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well done - that holiday sounds fabulous. and that trousers falling down because of how much slimmer you are - that's a good feeling even if the shorts were a favourite.
paddle boarding would terrify me yet looks delightful - give it a go - the worst that can happen is you get addicted - its not so much fun in UK!!
I'm 150 posts overdrawn on your account - I will try and catch up but for now just saying well done and glad you are in a good spaceI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Being Italian can’t help but be jealous of your trip . Lovely food , scenery and sun how lovely to look forward to .Life is an adventure, never stop exploring.6
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Wow ! Go you ! Lots and lots of positives 🥰🥰🥰🥰Sealed pot challenge 822
Jan - £176.66 :j4 -
fab that you've booked a holiday, and sounds like one you're going to really enjoyStart mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +13 -
Paddle boarding is great fun I love it. And you don’t have to stand up, you can board on knees and it’s just as good. Especially when the views are good5
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Sounds like a gorgeous holiday. What a treat
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20253 -
Agree with WelshmansDaughter about paddleboarding. I tried it and spent the whole time on my knees - it was great fun."Think of many things, do one"
Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga4 -
I had an ex who switched from lifelong surfer to paddle boarder - he would even fly it half way around the world with him, I dont miss the 5 am alarm clocks where he would see what the waves were doing ...
Enjoy!DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest6 -
Thanks all.
Holiday is one week towards the end of June.
Went to an NT place at the weekend.
In work today. Wearing my new clothes. Lots of compliments which is lovely. Gone to face steak and chips place.
Will catch up on diaries soon.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
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 16/1/269 -
Nice photos! How lovely to get compliments, that’s a definite boost to your morale!
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
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