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Prosperous & Creative Soul & MFW Year 3
Comments
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Glad you safe at the hotel - sorry re the trains …. I find part of the joy of travelling is getting lost and somehow getting back ok - it can feel like you won!DON'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 made it ok"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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Thanks Jwil LWAP Orangetoes Beanie and DIA
I got such a lovely welcome.
I made art yesterday and also swam 940m. Feeling more relaxed. It's stunning here and a better temperature (lower than the city) but still warm.
The food isn't to my taste so they are going to make me an omelette tonight. It was my fave ever omelette last time.
I woke early so plan to go up the cable car after breakfast. I need to take my poles. And watch a utube on them first.
Hope all is well where you are.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/253 -
They remembered you? That is so lovely 😊
Enjoy your outing and I hope the poles help.
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 = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.2 -
Have a lovely day
"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 -
What was in the omelette ingredients wise ?Glad it’s enjoyableDON'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#latest1 -
Sounds like you’re in good hands. Enjoy your trip without too much panicking2
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can't beat an omelette (lol).
my most memorable one was in France with fine green beans and a sweet but salty flavour. Sounds yuck but was absolutely gorgeousI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Enjoy your holiday!Mortgage started 2020, aiming to clear 31/12/2029.2
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I am having a lovely time. Swimming. Shorter walks than last time and making art.
Below is one of last night's courses and as a special concession having veg with the course rather than before it. But they made me laugh last time as they said there was no way they could serve it on the same plate. They were totally horrified at the idea!
The omelette has ham, cheese and chives in plus is probably cooked in butter unlikely my SW version at home.
So glad I asked for omelette as next to me they are trying and struggling to eat the biggest dumpling you have ever seen with other stuff inside it. Far too stodgy for me.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/257
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