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Prosperous & Creative Soul & MFW Year 3
Comments
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Beautiful pics again. Yes, do relax and smell the flowers, coffee (insert something nice to smell)
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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20253 -
Beautiful wild flowers and I am really glad the hotel is being kind to you.I didn’t know that ‘getting fitter’ was usually a purpose of a holiday….? 🤔😉
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Thanks Jwil, Lucielle & DIA
Today I hired an electric boat and went on the lake. The current was really strong so glad I wasn't trying something more ambitious. I went in a couple of souvenir type shops. Had a gorgeous ice cream with 🍓 while out and a drink inside as I was boiling. Came back to hotel and swam.
I rest most of the morning and start my day proper around lunchtime. I get up for breakfast around 9... I've only gone in the pool early evening when it is / is mostly empty.
I've been partly listening to my book 1 of a series using the W read aloud feature. I'll then use the same strategy for book 2 but potentially edit as I go. I only need to write about three more chapters and then the first draft of book 2 would done. So that's my goal for the summer. I looked on Am**** recently and have gained a couple of reviews. Average 4.8. Given I haven't been promoting it - it's encouraging.
The weather may be about to turn so trying to fit what I can in of sightseeing before then. Been very hot the last couple of days though.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/254 -
That looks delicious!
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 -
Looks lush.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
The holiday sounds wonderful and restful. Well done on the book reviews!Aiming to early retire August 31st 2026.3
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How reassuring that the hotel have been so helpful.
enjoy yourself however you want!3 -
That looks delicious. And the hotel staff sound so kind and reassuring.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 !!3 -
Glad you having an amazing time and the hotel are being so helpfulDON'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#latest3 -
it sounds like a perfect holiday 💗Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £33,821
Boiler fund £925/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3
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