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Prosperous & Creative Soul & MFW Year 3

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks LWAP, Mark, Lucielle, WD and DIA

    I made it on holiday and it's stunning here and so worth it. The days leading up to it were fraught however.  I got water in my phone and had to replace it. I bought a cheap one locally and then travelled over 2 hours to get the one I wanted not far from the airport.  That added massively to my stress and disorganisation and I cried a lot!

    I got to my T room OK but other than a quick shower spent the whole time setting up my phone and finalising my packing. I left a quarter of what I'd brought in the car as i'd rushed to leave the house earlier due to trying 3 different towns for my phone before i reserved online. As a result of stress I failed to check what car park I should have been in and parked in the wrong place which is due to cost nearly £300 in stupid tax. I was about an hour later than planned to the airport adding to my stress. Plus it had a massive queue etc. My flight was 3 hours late leaving. 

    By the time I got to sleep I had been up over 27 hours! Yesterday I explored a nearby forest.



    Today I am hoping to go up a cable car. I spent a lot on a phone with c500 gb memory.  So glad I did though. It takes great photos and movies. I have a view of the lake and mountains from my room.
    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 29/7/25
  • skint_spice
    skint_spice Posts: 13,436 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope the rest of your holiday is more relaxing SH, have a lovely time.
    Mortgage OP 2025 £6250/7000
    Mortgage 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)
  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    That sounds horrible glad you managed to get a phone in the end but not good about the parking or the long delay.  Hope you can now true lily relax and enjoy the lovely scenery. 
    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#latest

  • Watty1
    Watty1 Posts: 6,873 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    What a stressful experience all round. Glad you are there now though
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Hope you're having a wonderful time after what sounds like a traumatic start.  (((hugs)))X
    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 unhappy
  • doingitanyway
    doingitanyway Posts: 10,008 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Oh wow how beautiful  :)
    (Sorry to hear about the phone stress)
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely photos!  Sorry about all the dramas, hopefully you can relax and enjoy 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 McGee
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It all looks lovely and good that the hotel and friendly and  helpful!
    "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 McGee
  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It does look stunning. Absolutely brilliant that the hotel are being so helpful and looking after you. Remember to just sit and be…
    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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