We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Prosperous & Creative Soul & MFW Year 3
Options
Comments
-
Apparently we use the part of the brain that recognizes objects for facial recognition4
-
That part of my brain is not the best due to the CP. Can be very awkward.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.4 -
Thanks Mark, WD and Beanie
I had no idea the facial recognition issue related to CP as well as ASD.
DS did pop by but for less than ten minutes so I miss him all over again now.
I want to carry on painting - but in practice sat and listened to a story that made me cry instead. Why do we do that to ourselves? I've read it before and seen the related film so I didn't think it would affect me too much but it did. First time I'd had it read to me though - whether that made it more real I don't know. Fantastic writing - about the guy that kept disappearing through time and leaving his wife / future wife behind.
I'm struggling to get the house the right temperature today - don't know why. Dreading my next gas bill - but I can afford it - and right now I'd rather be warm.
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 29/7/257 -
It all depends on the part of the brain that is damaged.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.4 -
I like that book and it always makes me cry as well. It can be cathartic though!
"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 McGee3 -
Sorry you are missing your DS, next time you go to see him you will be leaving from your new place, very exciting.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 -
yes sad when DS goes but it's lovely to see your young adults blossomingI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
beanielou said:It all depends on the part of the brain that is damaged.jwil said:I like that book and it always makes me cry as well. It can be cathartic though!skint_spice said:Sorry you are missing your DS, next time you go to see him you will be leaving from your new place, very exciting.mark55man said: yes sad when DS goes but it's lovely to see your young adults blossoming
The weather seems nicer today. I may venture out. It has been dark, rainy and windy for days which hasn't been great.
In exciting news my mortgage company sent me a text this morning to say my mortgage offer has been approved although I need to check out a particular section of the Ts and Cs. No idea if that is just a standard section or specific to the property. Perhaps I should check out the survey report soon...
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 29/7/256 -
I managed a fairly major declutter in 2020 and it did massively reduce my stress levels. It made keeping the house tidy much easier but I think just having less things in view helped reduce the mental load. It's crept back up over the last year though so think I need a repeat in 2024.
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 31.07.147 -
Great news about the mortgage"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
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards