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Prosperous & Creative Soul & MFW Year 3
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Happy Holidays SH, glad all was well in the end .Life is an adventure, never stop exploring.2
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Phew! And great work with the weight loss too!2
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That's great weight loss and better still it's sustainable weight loss.2
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Thanks Jwil Mark Blackcats Orangetoes and SunshineGirl2
Made it here safely. Did art class yesterday afternoon which was really enjoyable. Meds were late being available so with those things and indecisive packing I had less than 3 hours in airport hotel and no sleep.
Flight was on time. My new case etc was a mistake for independent transfers as it was far too heavy even with the wheels on the main case. I got to hotel in Italy and camped out in the lobby until they took pity on me and let me check in an hour early. A porter took my bags up as he saw how exhausted I was. Had a shower and dozed for 3 hours.
About to experience an outdoor concert. Got my headphones in case it is too loud!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 hope, now that you are finally there, that you have a really wonderful, relaxing and restorative time 😊
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 -
Enjoy your break.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.2 -
Have a fab time.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 #1242 -
Have a wonderful holiday!2
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Have a lovely relaxing trip! Glad they let you in your room early..
Buying cases is an artform ..... due to how much I travel I now have a strict list what I need from both trolley and larger suitcases. I currently have 2 trolley cases on the go but next time I am buying a high end expensive v long lasting, guaranteed suitcase.... never buy from TK maxx as their guarantee only lasts for 3 months after purchase and it is up to them to decide if they think damage eg to a zip is just your wear and tear and thus they will refuse to replace it..
on the printing - a collegue i worked with makes and sell her tote bags (they have quotes on) at various markets.. she has taught herself to go in and use the local high end college fabric printer and hires that once a week to keep her printing costs down as she prints them now herselfDON'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#latest3 -
Glad you are there safely, Hope you enjoyed the concert and have a lovely 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 McGee1
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