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Prosperous & Creative Soul & MFW Year 3
Comments
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So sorry to read this.
So wish I was nearer you for company & a hug.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. 20 months left.3 -
Thanks DIA. Know you've been through similar too. Hopefully this home will work out for you and you will soon be settled.
Things I'm grateful for today- My job!! & its income & friends at work
- That I have money - and had a nice mackerel salad for lunch and an indulgent, very tasty MnS tea of lamb, mash, roasted veg, carrot swede crush, minty greens. I only ate a third of the lamb and a quarter of most of the other stuff so should be able to have repeat meals. I'm also drinking red fizzy grape juice which is nice. I may have a little coffee cake later.
- That I found out about a craft club close by
- That I have £ for counselling and that she's so lovely
- Art
- Catch up with DD
- My new pretty glass vase and blue glass tall candle
- My home and garden, many flowers and amazing views
- Impending visit to DS
- That a new orchid started flowering as my others finished
- That my peace lily is in bud ready to flower
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 16/1/267 -
Lovely things to be grateful for.
love 🐞Declutter 415/2026
£62.30 saved by growing and eating my own 2026
books read 5 in 2026
£195 🥳 funpot
🐞change pot £39.533 -
Sorry to hear about relative. Love the grateful list. Good that you are doing things for 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 McGee2
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Just caught up with your diary it has been unsaved on my phone.Glad you now have clarity on handyman and can find someone else. If he does not do the last jobs soon please just move on you’ve wanted them done for ages.Sorry about the relative hope the family can support each other.Your garden is sounding and looking lovely. Slow and steady always lots to do. I’ve really struggled this year with compost mainly from L**ds. It just doesn’t keep water so have to water all the time.Art class sounds well worth it. As for feedback it’s tricky but good to push yourself especially if the person is otherwise approachable and nice maybe let it go.Hope the job news comes soon nothing like waiting I’m in the same boat but as you have looked into my options and it does make things easier.Moved to Denmark for FIRE by Aug 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest2 -
Thanks TG, Jwil and Ladybird
I finished work early today. I went and explored a medieval church which was very beautiful. I also bought some turquoise jeggings in the next size down - that I can get on but aren't comfy yet. I picked up my new glasses which seem to offer good vision so far.
This evening I started listening to a story which was absorbing - and at the same time spent hours drawing a computer mouse first with pen - and water and brushes - and then with pastels. Pretty pleased with how it came out.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 -
Good news about the glasses, and well done on the art."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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The medieval church sounds like a great place to help you relax after work.Mortgage OP 2026 £590/2000Mortgage balance: £32,505
Make £50 a month Jan £20, Feb £0, March £31
Boiler fund £1981/30003 -
Thanks currently at hairdressers.
The stained glass including modern ones was lovely etc.
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 16/1/265 -
Those windows are beautiful. I like the sense of perspective in the older one.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.3
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