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Prosperous & Creative Soul & MFW Year 3
Comments
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Sounds like a plan! Hope you can make it happen.Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Sounds like a solid plan that is gradual and I find as the money is deducted there is no temptation to spend it. I have done the same increased my pension payments bit by bit to make it more manageable. I just wish I had done it sooner. Your plan should lead you to a secure retirement where you are not forced to make money but can if you wish to. Ideal I would say.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 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#latest3 -
Thanks Jwil, Skint and TG.
Well I went to work today. Unfortunately roadworks added about 30 minutes to my journey and made me very late but I am still glad I made myself go in.
I agree TG I do better when the money is deducted before I even see it. I need to make myself a poster or something about time freedom and put it where I see it regularly and perhaps make something for my phone case as a reminder.
On the way back I bought a scented candle (lavender and chamomile) which I'm unlikely to light to act as a bit of an air freshener for near where the cat litter tray is. I was really tempted to buy some cushions and a blanket but I reminded myself I had cushions I just needed to put the covers back on and return them to the sofa. I also already have a choice of blankets. Similarly I left the art supplies in the shop and told myself to use more of what I already have. Victory for one day - and that's a good start.
A good day overall.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 29/7/257 -
Well done on the non-purchasing!"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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Good plans!Well done for resisting the cushions 😇4
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Excellent logic on the shopping, plus you’re shopping from home!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 #1244 -
Yes, one day at a time but it is a win!Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Thanks Skint, Jwil, Blackcats and Lucielle.
Just sent over £1k towards Cc as expenses were paid. That means £450 has also gone to AVCs.
Unfortunately I managed to knock my barely ever used iron on to my laptop so that needs replacing...
Delayed bowling to another week bur had counselling today. Busy busyAchieve 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 29/7/254 -
Oh no to laptop.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 -
Oh no, I thought it was the iron, which is bad enough, but more boo if its the laptop."Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga3
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