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Prosperous & Creative Soul & MFW Year 3

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Comments

  • lucielle
    lucielle Posts: 11,772 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I love Keswick!! Stay at a lovely b&b. 
    L
    Total 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 #124
  • WelshmansDaughter
    WelshmansDaughter Posts: 2,047 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Funnily enough you would have been just across the solway firth from where we were in Southerness
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,253 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    I was there last week at the stone circle and lunch in Keswick., Great photos SH. 
    Life is an adventure, never stop exploring.

  • skint_spice
    skint_spice Posts: 13,709 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely photos SH and I agree it’s a wonderful place.
    Mortgage OP 2026 £590/2000
    Mortgage balance: £32,505

    Make £50 a month Jan £20, Feb £0, March £31
    Boiler fund £1981/3000

  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Lucielle, Jwil, Skint, WD, Sunshinegirl2

    Yes it was beautiful. I went to an NT property today - it was lovely too. 

    I've also done some washing. I've unpacked the dishwasher and packed it again. I've watered my garden. Need to keep preparing for my holiday. 
    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 16/1/26
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Gorgeous pics and yes to the outdoor swimming - whenever I do it - even in london it’s always a gift to my life and happiness 


    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#latest
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Such beautiful pics. Thanks for sharing.
    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) 25/07/2025
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    wonderful sunshine and light !! enjoy your break
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • WelshmansDaughter
    WelshmansDaughter Posts: 2,047 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Hope you have a great time on holiday.
  • lucielle
    lucielle Posts: 11,772 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you get some r&r. Have a great time. 
    L
    Total 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 #124
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