We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Prosperous & Creative Soul & MFW Year 3
Comments
-
I believe the referral may be me - thank you!
"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 McGee3 -
Awesome that you’ve booked the holiday. Lovely garden photos!
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 #1244 -
Caught up on your diary. Loved hearing about your holiday and seeing the pictures. So glad you have booked to go again 😃3
-
Thanks Mark, Jwil, CCW007 and Lucielle
I ended up working late tonight as I'm running a meeting tomorrow and hadn't prepared before I went on leave. I thought I had a different meeting in the morning but then realised that one had been cancelled so I could have done some of the work in the morning instead. Ah well. Back in credit flexi wise.
I went for a walk after work and a little drive around. There was an absolutely stunning rainbow against a pink sky which I didn't capture as I was driving. But I did manage to pull over and get some of the sunset. Will try and share shortly.
I can only claim £155 of my glasses but that's still a win. I'd mixed up the amount for optical and chiro. I submitted my claim today and should get in a week or so.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
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 -
Genuinely feeling blessedAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
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 16/1/266 -
Lovely pics, SH
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 #1244 -
What stunning skies 😊❤️
When they are that big I always feel like I am being ‘washed’ by them 🤩
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 23 books of target 52 in 2026 as @ 28th March.
Produce tracker: £59 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.5 -
Lovely sky photosMade 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 -
Lovely photos."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
-
Beautiful photos, your life seems so rich with colour and adventure savingholmes. I've definitely got the post-holiday blues, so I'm going to follow your lead and book another. I've got a couple of day trips/lunches planned soon so that will help.
On airport car parking, when we used to travel from Heathrow we found a hotel with a parking service. You parked up the car the night before, then took a taxi to the airport in the morning and they would bring our car to us at arrivals when we returned. It was more expensive, but made it a bit easier and quicker to get home."Think of many things, do one"
Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga5
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247K Work, Benefits & Business
- 603.6K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards