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Prosperous & Creative Soul & MFW Year 3
Comments
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            Well done on the ff. Enjoy the art.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
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            Nothing like the panic of not being able to do something financial that you need access to. Glad you got it sorted.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
 Current mortgage amount: £226,957.97
 Start student loan 2012: £29,750; current student loan: CLEARED July 20254
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            Glad that method of getting rid of the FF worked for you 😊
 So feel you on the passwords etc. I recently had to crash my work phone back to factory settings because it made me change my pin late on a Friday night when barely functioning and I had zero clue what it was by the following week. If that had happened on my personal mobile I’d have been absolutely hysterical….
 KKAs at 15.10.25:
 - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
 - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
 Fixed rate 3.85% ends October 2030
 Read 60 books of target 52 in 2025, as @ 30th October
 Produce tracker: £426 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.4
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            You're doing well and homebuying is very stressful, let alone selling too.
 Booking the extra day off will make a huge difference and free up so much time. How long you got for the holidays?
 Step away from the portrait, look in daylight and with fresh eyes when things are a little more settled mental space wise.Mortgage started 2020, aiming to clear 31/12/2029.4
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            What a shambles.Glad you got it sorted out in the end.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
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            Thanks everyone for responding I felt so blessed that 8 of you did. MSE is a lifeline for me. I'm definitely having Friday off which should then help me cope with the abrupt change to lots of social at the extended weekend period.
 My portrait of DS that I made yesterday is really pleasing. Not perfect - but I've not yet met an artist that truly considers their art finished. I think I should put it to one side and redo DD's one next.
 This week I have a hospital appointment tomorrow - I hate any interaction with hospitals so it is very hard for me to go. Plus parking there is normally a nightmare. I may try and go super early to make it more likely I can park and then sit in my car rather than the waiting area to wait. Need to recharge my headphones - currently lost the cable.
 Cleaner due Wednesday. Changed my food delivery to Wednesday evening. Then working until Thursday - and seeing my counsellor Thursday evening. I've had Friday agreed as leave now so I have a reset day to myself before more social.
 Saturday going out with DD to meet a friend of mine and her DD who is the same age as mine for brunch. Potentially give DD a stocking then so I need to hurry up and finish wrapping her wrap ups (but will hold her main gifts back). Get back for DS who is due to arrive home late afternoon. First Christmas Eve where it is just us two. Then the following day pick up DD and go with both kids to see my wider family. A bit of a trek. I may put DS on the insurance for the day. He'd enjoy it and it may make me less tired only having to drive one way or not at all. Then drop DD off, DS comes back with me then DD will pick him up next day - and then I have the rest of the time to myself - unless I arrange to have DD and her BF over.
 The searches are finally ordered. One has come back already, one is due the first week of Jan and one due the fourth week of Jan. They are trying to get the latter expedited. My survey is tomorrow so hopefully I will know more then. I may try ringing the survey company - the previous one was better as they contacted me beforehand to ask what I wanted to know which this one hasn't.
 Right I'd best get back to work. £25 went out in regular saver today.
 Achieve FIRE/Mortgage Neutrality in 2030
 1) MFW Nov 21 £202K now £171.8K Equity 36.37%
 2) £2.6K Net savings after CCs 10/10/25
 3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
 (If took bigger lump sum = 60.35K or 47.6%)
 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 £5K updated 10/10/254
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            Hope your appointment goes well tomorrow. XxI 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
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            Hope the survey and hospital appointment goes well."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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            Hope everything goes ok.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
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            Hope things go well tomorrow
 MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.142
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