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Prosperous & Creative Soul & MFW Year 3
Comments
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The holiday sounds wonderful. You'll have artistic ideas for years afterwards, together with the memories.
NT looks lovely and relaxing.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Lovely photos and glad you are enjoying compliments💗Mortgage OP 2026 £500/2000Mortgage balance: £32,595
Make £50 a month Jan £20, Feb £0, March £20
Boiler fund £1625/30003 -
Thanks Lucielle, MF and Skint
Had a lovely day today and to round it off had a really lengthy call with DS where we had a really deep discussion that was pleasurable. Meeting up with DD and her BF Friday and will get to see where she is now living. Then all meeting up again at a big family event Sunday. Unless its due to be boiling - I may wear today's outfit on Sunday as I've 'tested' it at work and it passed. Nice bright colours - with black heeled boots.
Another miracle today - I emptied a little pot of costume jewellery and at the bottom was my missing driving licence. I hid it so well - I hid it from myself!! Such a relief to finally find it. I almost ordered a new one last week but delayed as it needed to use it as proof of ID for something and had photos of it so used it so didn't want to declare it missing.
My new cleaner is due here tomorrow and that will be good - but I think I'll ask for a different one after that as she's not the right fit for me personality wise etc. She did a good job though so I'm torn - but I also wanted a cleaner for the social aspect and she's not the right fit. She also was uncomfortable ever having a key to here or being left here on her own so I think I'd be better off with someone else.
Ordered a new health card from the govt. Hope it arrives in time. Apparently it takes up to 3 weeks to come so cutting it a bit fine!
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 16/1/266 -
Not sure if you’ve done it but have you updated the address on your license?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 -
Phew for the driving licence 😊
How lovely to be able to have a conversation like that with your son 😊❤️
Hope the visit to your daughter’s new place goes well. Will you take her something as a house warming?
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 22 books of target 52 in 2026 as @ 19th March.
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 Lucielle and KK
On driving licence - I had already changed the address - it was why I was so upset to immediately lose it!! Relieved I have it now.
KK - not sure re gift. I considered taking flowers.
I forgot to mention my mortgage went out Monday - so around £655 off the capital. I've checked my AVC and SIPP and they are both doing well this year. Still waiting for the builder's quote.
I looked at more stuff to do with my hotel yesterday - and feel reassured again. It has really good ratings and its own private beach on the lake so sounds amazing.
Need to make myself log onto work soon. I am tempted at lunchtime to go out and see if I can get some swimming shorts from BonM. The bikini bottoms that arrived didn't feel like they covered enough - and while the tankini looks nice - halter next style I'd prefer the fitted bandeau style. Then I'll know what to return and what to keep of the other items.
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 16/1/266 -
Well the cleaner did a great job so she survived another week. She did 3 hours today. Will keep it under review.
I have ordered some swimwear from Bon M to see if it's more flattering. I still need to return other items.
I went for a walk at lunchtime today which was good. Parts were uphill so definitely got a work out. I need to try and do that more often.
I'm overdue my repeat prescriptions so need to organise that which means I'll eat into my spares which is unfortunate.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 16/1/268 -
That’s what spares are for!4
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Thanks WD - I try to keep a secret 2 week stash though for when I forget to reorder.
Received £44 in interest yesterday which is lovely. I sent £200 to reg savings. Found £7 in vouchers for MnS. My concert £ has been refunded. I've paid off half my holiday already without raiding savings. Because the handyman hasn't been this month - I may also be able to send another £370 to my holiday spends leaving just £210 to pay on that points CC.
However that all sounds better than it is as I've continued spending on my 0% CC. Plus later today I'll need to pay out another £800 on my CC as my patio door is being fitted as we speak. It will be lovely to have clear glass sliding doors that open! Hopefully I will get my builder quote today and then have an idea of whether I'm likely to go ahead or not. I still need to do my clothing returns - I'm then due over £100 back there.
Yesterday after work I mowed the lawn, raked the grass and watered my pots. Today I'm due to work then see DD and her BF this evening and his parent's new house. Sunday I'm seeing wider family. Monday I'm off to recover.
My bathroom scales broke today as in they keep going through the battery really fast and I'm not willing to waste more. They are just out of warranty. I've ordered a new one for £10. I remembered to cancel two subs before the end of the free trial.
Hope you are all doing well.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 16/1/266 -
Great timing to get the patio doors sorted so you can enjoy the good weather.
isn't receiving interest fabulous? So much better than paying it - if only "past me" understood that for 30 or more years 🤦♀️5
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