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Prosperous & Creative Soul & MFW Year 3
Comments
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Hope all goes well with your exams 🙏Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Positive vibes your way.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 -
Hope the exam went well. Sounds like you've done good preparation for it.2
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Thanks KK, WD, Beanie, Blackcats and Skint
I did the first exam. Asked her about the second. She said I wasn't showing on the system. So I tried to rebook for a different day but it said I was already booked - so after logging a ticket and sending an email to the right person I was sent some of the relevant codes for the exam after it should have started!! That added to the drama of the day. Luckily my exam clock didn't start until it was all sorted. Exams went well and I passed both at around the 80% mark (pass rate was 50%) so really happy with that. I've received both certificates already - but still need to update my online profile with the badges.
It boosted my confidence as there have been times recently I wondered if my brain was going on permanent vacation!! Taking the second ADHD med has made a huge difference - just half a tablet - but it has been enough that my brain is back in gear. Such a relief!!
I still need to explore the free courses I got. I have a lot of work coming my way soon - but it is not quite here yet so I want to make best use of time in the interim. Hopefully once that work is allocated it should secure my job for another 18-21 months but only time will tell. I was asked for by name by a couple of senior people at the 'to be' organisation so that sounds promising. It gets me closer to my remortgage date (end 2026) which is my next key date after my next birthday (which would then entitle me to unreduced pension if made redundant).
I've added this weekend's hours to my timesheet and put in an expense claim for just over £80 today. I'm finally back in flexi credit!! I need to update my finances though after this weekend's spends but c'est la vie.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 10/10/255 -
Well done on the exams and also on the flexi credit 🎉Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Sounds positive.2
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Fantastic work Used to love flexi credit.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 -
Well done on the exams and I am relieved for you that the work situation is becoming clearer and more positive. When do you think you will hear that the work has been allocated and you will be involved?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 62 books of target 52 in 2025, as @ 4th November
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.2 -
This is really well put. I’m a ‘doer’ too.WelshmansDaughter said:I usually find that I don't seem to be taking the information in at first go round but later on I find that I know it.
I think that it records rather than interprets on first glance and only develops meaning when it is used.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 62 books of target 52 in 2025, as @ 4th November
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.3 -
Great exam results - well done 🥳2
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