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Prosperous & Creative Soul & MFW Year 3
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Oh fab news re job. Hopefully the neighbour has potential to become a friend. Would she be able to recommend a cleaner?
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 #1242 -
Great news all around P1P and job news hopefully you can relax now and enjoy getting the trades in to sort the house out without stressing about money.
Lovely picture only rain here so far.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#latest2 -
Great news about PIP and job.The snow looks pretty but I hate driving in it.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
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)2 -
Good news on p1p & job.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 -
The PiP and work news must be a huge relief. Did the workmen turn up?Enjoy the charcoal and pastels 😊
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: £272 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 -
Brilliant news re pip and the job - makes Xmas easier
lovely pic - I walked to the gym at 7.45 am this morning thru heavy falling snow then hail!! For 40 mins each way !! Not impressed - though the autumn leaves look fabulousDON'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#latest2 -
Yay on PIP and job - takes a weight of uncertainty off your shoulders
Debt at LBM (Dec 2018): £23,167
Debt free Feb 20212 -
Great news on PIP and the job!
Lovely picture as 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 McGee1 -
Thanks Jwil, Beanie, TG, Lucielle, Skint, AK, LWAP and KK. Really appreciate your encouragement as ever. Towards the end of the week I'll do an annual financial round up - and then start a fresh diary.
Yes the job thing is a relief - there's still a lot of upheaval with teams being split in to completely different areas - and there's still uncertainty but it is better than I expected. £ and keeping Pip is a weight off my mind too. Sleep is still very hit and miss.
On the cleaner - DD's BF is going to give a go. Will see how that works in practice. On next door - her DH is very good at carpentry - and may be able to do my door adjustments, skirting boards and door frame etc. Will need to get a price off him.
The workmen turned up to take another chunk of £ off me - but not to work. I've paid 60% now all on CC so some protection. They reckon they should be able to do something tomorrow but it will depend if it snows some more. There's a digger and a trailer already here which should help but more materials still need to arrive on site. It was the most snow I've seen as an adult I reckon so sympathise with them not working today.
I've found a possible more local life drawing group tomorrow - will see if they reply to me. I shown my art tutor from the summer some of my recent sketches and she could see the progress. She suggested drawing from statues if I can't find another group. She's a great believer in learning by drawing from 3D not just photos.
I've put more washing away and done a little more tidying. I've found my labeller so will put that to use too which will hopefully help me find stuff in their newly allocated homes.
I signed back up to D+ so I can watch my fave Alice film again and others - it's a 6 month minimum but I'll get £2 a month back off my phone bill so not too bad.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 29/7/253 -
All good news - which is lovely to readI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2
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