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Prosperous & Creative Soul & MFW Year 3
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Perfect day 🥰🥰Sealed pot challenge 822
Jan - £176.66 :j3 -
Looks like a lovely day was had by all.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 -
Lovely photos. 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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Food for the soul. Stunning.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. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
wow those photos are stunning - I love a good sunset (not really a sunrise type of person!!)I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Glad you had such a nice day.3
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Fab photos @savingholmes. I think re poss changes at work, you'll navigate them brilliantly. You have options, whatever happens. Imagine if you hadn't had your lightbulb moment! Love Humdinger xx4
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Thanks Dawn, Lucielle, Beanie, Jwil, Humdinger1 and Mark
Went to family event. DS drove there with me from his place and part of journey back where he took a train. It made it easier. Full on weekend though. Definitely need recuperation time today.
Still learning Italian too. Going well.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
I’m sitting here on my own (apart from snoozing cat 😉) after 10 of us at a 5 hour family event for Mr KK’s nephew yesterday. I am also decompressing! 😉😊
What are you using for the Italian learning? Duo?
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Yes Duo KK.
Totally with you on the decompressing.
My mortgage went out Friday so now owe just over £650 less. DD has returned the money she borrowed so I can send that to the credit card. My cleaning company have said they are unable to find anyone to clean so that's going to be an issue. Need to explore alternatives but will probably wait until after my holiday now. Will reduce my outgoings for a bit - but ironically I'd already taken the cash out to pay her.
I ended up spending more than planned this weekend as we got asked late on to take food - and others didn't seem to be / claimed limited funds so I ended up spending more but it was a bit birthday for someone so fair enough. DS and his partner paid for my meal out Friday so it was swings and roundabouts. That was a change it's normally me who pays - I offered to pay half of the total cost but they said no. I also had to top up my fuel - and I don't know whether what I now have left will last until pay day or not. Will need to update my spreadsheet and see where I am at overall.
Done a bit more Italian. Brain feels muzzy now though so need to stop.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255
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