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Prosperous & Creative Soul & MFW Year 3
Comments
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Thanks Blackcats - yes receiving interest is lovely.
I've had a rough builder's quote headline figure - but I'm waiting for the underneath work up to see what it includes.
Really love my new patio door it is so much cleaner and brighter and transforms the space. It's heavy to slide. I'll get used to it.
Saw where DD was living Friday night. Loved the gardens and the view. They collected me from a shop car park as they are on a single track road. I'm really glad they did as if I'd gone up it I would have arrived in a state.
I returned my sandals to TK - but bought a designer red swimsuit - with a giftcard plus £10. So £30 paid off CC. A tankini came through the post that looks lovely on. I bought 2 sizes and will be able to return the bigger one which is positive.
Been to a wider family event today. Lots of compliments on my weight loss and clothes and increased confidence. DS and I snook off for an apple pie and McF ice cream before going our separate ways.
Thankfully I have tomorrow off as I'm wiped.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 16/1/267 -
Lovely positive post and you sound so happy. So glad that things are working out well for you. (((hugs)))XX
I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy3 -
Congratulations on the new patio door - that sounds lovely. Imagine all the solid engineering there is in it, as you work the weight of it! 😉
I’m glad the visit to your daughter went well and you got some fun time with your son. Enjoy your downtime today 😊
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 -
Patio door sounds good hopefully you will get used to it and it will be easier to open. Nothing better than opening the doors when it is a nice day.
Single track does sound a bit scary glad they could pick you up. Always a nightmare if you meet someone on those roads too especially when you do not know them.
Sounds like you are getting closer to finding the right outfits for your new body ready for your holiday. Don't forget to return the other items for credit lol!!
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#latest3 -
Glad the patio doors are sorted and that you had a nice time with family. Enjoy your day off."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 McGee2
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Another lovely positive post! Great news on the swim wear.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 #1243 -
Thanks Lucielle, Jwil, TG, Crystal and KK
The last bits of swim wear arrived through the post today. So I now have my final returns to do. I've kind of kept some elements that fit easily now - and some that are a little tight now but should get easier as I continue losing weight.
I've paid the remainder of my patio door on my 0% CC.
I'm going to have a day trip out somewhere but not quite decided where yet.
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 16/1/265 -
Returned some clothes £82 today however I bought a dress £38 from K and 3 vest tops from Mr A £7 and some jeggings. I'm going to return those leggings £20 as one didn't fit and one wasn't comfortable enough (No changing rooms). I've ordered some from R instead £57 for 4 but includes multiple sizes (red, turquoise and burgundy). I have a teal pair that's a firm favourite that I bought last week.
Tried to return my Mr A mail order in-store but have to use online process, seal bag etc instead so will need to return those a different day.
I sent £352 to a CC today.
I also picked up prescriptions and visited an NT place.
I get paid FridayAchieve 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 16/1/264 -
Views from NT place
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 -
Those pictures are just lovely 😊
Well done on the clothes organising, I should try harder … 😉
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
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