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Prosperous & Creative Soul & MFW Year 3

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Comments

  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Hope the work and the family health  situations improve - very unsettling 

    Grounding yourself in nature is a great thing and your home sounds like it’s really coming on 
    DON'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#latest
  • ladybird1106
    ladybird1106 Posts: 1,179 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Have you thought about trying forest bathing to help with stress etc?
    Love 🐞
    Declutter 157/2026
    £29.00 saved by growing and eating my own 2026
    books read 4 in 2026
    £120 🥳 funpot
  • MovingForwards
    MovingForwards Posts: 17,178 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    So sorry to read your news, sending positive thoughts for both.

    Hope you find another HM and get your final bits completed.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks LWAP MF and @ladybird1106

    Forest bathing is part of what I am trying to do currently. That and just generally getting our in nature more. These flowers were utterly stunning the other day. Not sure if I already shared them.



    Awaiting family member test results today from CT with contrast. Feel like they already know but aren't sharing. Could be wrong though.

    The GP is ringing me about my blood test results which also sounds ominous. Awaiting random calls for both but in office so slight awkward. 

    At least at work we are all commiserating with each other. 

    Just had call. Twice yearly blood test for me but OK for now.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 16/1/26
  • beanielou
    beanielou Posts: 98,268 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the bloods. 
    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. 21 months left.
  • Chrystal
    Chrystal Posts: 2,028 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Thinking of you and sending gentle (((hugs))).  Hope the situations improve.  XXXX
    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 unhappy
  • jwil
    jwil Posts: 23,131 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about relative, but good news about your bloods.

    Take care of yourself.
    "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 McGee
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