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Prosperous & Creative Soul & MFW Year 3
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Glad you are enjoying yourself. Envying you the pool
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 -
Thanks DIA, LWAP, Skint, Watty, Blackcats, Lucielle, Beanie and Glasshalffull
After a nervous start, I'd say ignoring the parking cost, phone etc, this has been one of the best holidays ever. It's my first lakes and mountains holiday in a hotel but won't be the last. Anyone know what these birds are?
Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20285 -
I am so pleased you’re having a wonderful time. It does look truly glorious!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 -
They look a bit like a cormorant? 🤔
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2026 as @ 1st November.
Produce tracker: £348 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.4 -
All sounding good.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.
One debt remaining. Home improvement loan. 9 months left.3 -
That was my guess but wasn’t sure if it might be something more exotic 😂KajiKita said:They look a bit like a cormorant? 🤔
KKMortgage OP 2026 £1940/2000Mortgage balance: £29,366
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept £0, Oct £53 -
Loving your photos - it looks like a beautiful location.2
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I agree. They tend to hold their wings out to dry them off after being in the water.KajiKita said:They look a bit like a cormorant? 🤔
KKMortgage Free November 2018
Early Retired June 20203 -
It looks stunning. I'm glad you are having a good time."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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Enjoying the photos , glad to hear you have enjoyed the break.Life is an adventure, never stop exploring.3
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