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Prosperous & Creative Soul & MFW Year 3
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The joys of our cats.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 15months left.4 -
Thanks Jwil, Beanie and TG
I did eventually walk across a small portion of the aqueduct but found it quite vertigo inducing. Views were amazing though.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/265 -
I’d have found that quite tough to walk across as well. Cracking views though 😊
KKAs at 18.06.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £214,281
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2026 as @ 20th June.
Produce tracker: £152 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.3 -
I’m so scared of heights it’s embarrassing! Lovely photos and your holiday sounds fabulous. You sound very positive at the moment 💗Mortgage OP 2026 £980/2000Mortgage balance: £31,407
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120
Summer challenge £120/3003 -
I think I would have been wobbly walking over that too. Lovely pics though."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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I am very impressed you even considered walking across the viaduct, the thought of it makes me mildly panic despite me sitting in my living room with a cuppa. Stunning photos, thank you for sharing.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family3 -
Gifts from cats are never well received! The tiny consolation I can find is when the gift is already deceased as it's even worse when it's a living gift. 😾4
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I could not walk over the viaduct even if you paid me money & that says a lot!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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 15months left.4 -
beanielou said:I could not walk over the viaduct even if you paid me money & that says a lot!
Totally agree with you Lou, the very thought of it brings on a massive panic attack!
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 unhappy4 -
If that is the aqueduct in the llangollen region my Dad used to cycle over it. I ran on it but I did see someone kayaking and did not like the idea of being that close to the waters edge5
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