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Prosperous & Creative Soul & MFW Year 3
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Thanks EH, WD, Jwil and @lookbook welcome to the forum
I did another charcoal drawing today of a ceramic owl pot and a metal bird candle holder. Pleased with how they came out.
I looked up that artist on utube WD that one isn't for me but I will look at others. I may try and get some nat geog on FB or equivalent as apparently they do a more vibrant range of colour in their magazines. I do have a subscription currently but haven't got around to reading them yet! I may use them and some existing stamps I have for collage play. I don't think I want to be in any single medium - I want to play across a few - more of a mixed media artist. I've just ordered some more art stuff but have docked it from my hobby fund.
When I finished the work course today there was a double rainbow and I got some beautiful shots of it. Made me smile. Today has been a little better in so much as I wasn't going out tonight so didn't end up overloaded. I'm still struggling though. It looks like next week's art course will run despite it being a bank holiday and that's the last session. I've not had any response to my query about funding for other courses. I need to chase tomorrow as it would be good to have something to look forward to on my return from holiday.
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 16/1/263 -
Grateful for my beautiful flowering orchid.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 -
That orchid is stunning! 🤩 ❤️🥰
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.2 -
Beautiful orchid.1
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The orchid epitomises the beauty of nature.2
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That’s lovely.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 #1241 -
Thanks all. Life feels on fast forward. Parents coming tomorrow. My house is a tip and I still need to clean and tidy... Oops. I've bought some food... cleared the dining table of the bedside tables I'd done one coat of paint on... Made very little progressAchieve 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 16/1/262 -
I remember someone telling me once, that so long as the table is laid and people have somewhere to sit, you give the impression of having prepared for visitors 😉
Hope it goes well.
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.4 -
Have a lovely day with your family.Mortgage OP 2026 £590/2000Mortgage balance: £32,505
Make £50 a month Jan £20, Feb £0, March £31
Boiler fund £1981/30002 -
Enjoy your time with the family."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 McGee1
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