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Prosperous & Creative Soul & MFW Year 3
Comments
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Thanks Beanie, Jwil, Lucielle and Flaco
I feel utterly exhausted today like either I am having a major sugar crash after bad eating yesterday or I accidentally took two lots of meds last night. Either feels possible but whichever - today has been a struggle. I was doing something ultra boring so that also didn't help. I wasn't really hungry earlier - I think another meds impact - so other than porridge this morning - only ate next proper food at 4pm. Need to cook myself something for tea in the hope it evens things back out.
To my utter relief my building regs certificate arrived today for the boiler so sent photos of that off to the solicitor. I still need to chase the guarantee but most important bit resolved. I also need to chase the engineer to find out when he'll come and do the service. My solicitor still hasn't answered questions I asked a week or more ago though so not very happy about that. It's supposed to be a 3 day guaranteed turnaround.
Right best put some tea on - may (start to) redo DD's portrait while I wait although the angle of a building I included in the background of DS's portrait yesterday is 'off' and is nagging at me so I need to fix that. I also need to stop using too dark a colour around eyes - I've been using black when really is should be a dark pinkish brown so need to soften that down.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Be gentle with yourself - sometimes when I feel that exhausted it’s because I’m succumbing to a bug. Maybe try taking a book to bed tonight, not too late?Really good news about the boiler cert - that’s a big thing ticked off the list 😊❤️
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 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 -
All caught up. Gosh, what a lot of change. Well done @savingholmes you have coped so well with a huge amount of change. The new house sounds so exciting!3
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Great news about the boiler. Hope you are feeling better today."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 you did manage to eat dinner nothing worse than feeling icky. Also great news about the boiler sounds like it is all falling into place.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 -
Hope you got a good night's rest and are feeling better today.
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 31.07.143 -
Thanks Jwil, Orangetoes, KK, TG and Flaco
Hospital appointment went as well as these things can.
Had survey verbal report and it's picked up what I expected but not a huge amount more so while their are things the legal team need to follow up on it sounds promising.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
Good news on the report. Glad hospital was 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 -
Positive vibes.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 -
Just catching up, so much going on for you right now. Pleased survey went well and all okay with the hospital appointment. Well done on taking Friday off, a reset day sounds like an excellent idea. Take care x3
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