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Prosperous & Creative Soul & MFW Year 3
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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 £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
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 -
I hope the rest of your holiday is more relaxing SH, have a lovely time.Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30003 -
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.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 -
What a stressful experience all round. Glad you are there now thoughMade 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 !!3 -
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 unhappy3 -
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20253 -
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 McGee1
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Thanks Lucielle, TG, DIA, Crystal, Fatty
I'm loving my new phone. My old one wouldn't have coped as it was nearly out of memory and overheated in British weather.
The weather has been fab not like the forecasts that scared me.
Today I visited a medieval church and then went up in a cable car. I had a beautiful bolognese pasta and panna cotta. It was very hot. The views were like something off a movie. The lake really is turquoise.
I walked for a while but over faced myself. The Italian idea of a family friendly walk and mine are vastly different. Thankfully an Italian family offered me a lift back part way round as I was obviously struggling and there were no taxis. They dropped me where I could get a free bus. I need to buy walking poles tomorrow. I used a series of sticks today!
One of the staff here has offered his help in the morning to plan other trips I could do. He also said if I was stuck I could ring and someone from the hotel would come and get me. That made me feel much safer and better after I got quite anxious today. He has also said I can WhatsApp him/the hotel where I am so that was also positive.
I have never done this kind of holiday before and I am trying to test / stretch my limits 🙃 while making the most of the views and stunning weather. I'm hoping that if I can improve my fitness here that I can have better habits when I return home.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
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 -
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 McGee2
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It does look stunning. Absolutely brilliant that the hotel are being so helpful and looking after you. Remember to just sit and be…
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
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