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Prosperous & Creative Soul & MFW Year 3
Comments
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Thanks Lucielle, Jwil and Orangetoes
Panic over. I am booked in - the confirmation must have just gone into my spam folder and been deleted as its been more than 30 days. Phew...
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 -
Hope you have things sorted now.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.2 -
Yah. You have.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.2 -
Oh phew! The collective MSE clan breathes a sigh of relief …. 🤩
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 -
Absolutely 😌KajiKita said:Oh phew! The collective MSE clan breathes a sigh of relief …. 🤩
KK
"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/yoga2 -
So relieved for you!Mortgage OP 2026 £590/2000Mortgage balance: £32,505
Make £50 a month Jan £20, Feb £0, March £31
Boiler fund £1981/30002 -
What a scare so easily done better to have the panic now than right before departure.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#latest1 -
Thanks Beanie, KK and Skint and Sandy
Such a relief. I got myself in a complete panic over it to the point I was constantly waking in the night with it on my mind.
I'm not going to buy new trousers yet as while these are slipping slightly - they are fine around the house or if I wear a long enough top. I don't want to over-buy in the next size down - and I have red pair of trousers in a lower size that I can do up but wouldn't be comfortable to sit in yet for long periods - but which hopefully will be my next target. I have one comfy pair of new turquoise trousers in a lower size that I will take with me - and may throw in some leggings - but I think I'll mainly wear cropped trousers or dresses as the weather should be warm. My cropped trousers still fit. I measured a top in the same style against one I'd worn & washed less it was over an inch smaller - so it was its £3.50 quality that was an issue rather than me.
I bought a new sundress with pockets £22, a v neck top £2.20 in the sale and a £6 cami in size 16!! (I started the year at 20-24.) I also bought 3 bras for £20 in MnS in the next size down and lots of knickers for £32 (some at an outlet and some full price). Woohoo!! I'm starting to believe I've lost weight and will keep it off as I keep going up and down a few pounds but am maintaining fine despite still having some treat food. It appears that my waist is still shrinking even if I'm not actively dieting. Tomorrow when I go to the postponed art class I should be able to drop stuff at a nearby charity shop - so I want to gather my various bags and make sure they exit the house.
I bought a bigger suitcase today from TK £60 (RRP £150) and a matching rucksack £17. I've packed my walking poles although I still need to work out how to use them. Not quite finished packing - as I have a load to go in the dryer that I need a few bits out of. Once I've finished working out everything I'm taking - I need to print a few more things - and do myself a checklist so I don't forget anything important. I printed my other hotel reservations earlier - and my concert ticket and city tourist card proof - but will print my boarding pass just in case too. It's starting to feel real now...
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 -
Great news about the hotel and the weightloss! Hope you have a lovely time away."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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Joining in the collective sighs of relief for you SH - have a great breakI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1
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