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Prosperous & Creative Soul & MFW Year 3

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Are you planning to get one again @lucielle or is it part of your new lifestyle that you want to reduce your hours and manage without?
    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 29/7/25
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’d love to have someone but for now we’re managing. 
    L
    Total 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 #124
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If you can swing it @lucielle I would even if you do a monthly or fortnightly one to start. It's company and getting to know others as well as the help.
    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 29/7/25
  • beanielou
    beanielou Posts: 95,642 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I would cry if I did not have a cleaner. 
    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.
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the bone scan results were ok.  If you have the NHS app you can see results in there, without having to call.

    Good news about the compensation.
    "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 McGee
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ROFL - if Dana on YouTube is against "keep" boxes I can only assume she has never moved house! Approaching a move is definitely a time to NOT be putting things where they need to go if the things are those that you need, but don't need right now!  That's influencers for you though - full of good ideas, but often not those that work anywhere other than the perfect world they choose to portray! 

    On the question of components of a removal quote - we had a quote for packing as well but decided against as I felt it would just make things far too busy and frenetic the day before. For me, I decided it would create more stress than it solved. 

    Great news on the scan results - the reason they traditionally won't give all-clear results over the phone is that then when folk get told to make an appointment they already know it's bad news, and so that can cause more issues. It's one of those "damned if you do, damned if you don't" things for healthcare providers! jwil that's interesting about the app though - allowing that they still then can't tackle the risk of someone getting significantly bad news while they are on their own/already in a low place mentally etc. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Start to think now about how you will label things too - we used arrows designating whether a box or an item was going upstairs or down, and then a room numbering system for everything aside from kitchen, bathroom & shed. In conjunction with a floorplan with the coding written on, and A4 sheets with the room numbers stuck to doorframes, the team commented how much easier it was for them than having to try to work out what people mean by front room, living room where there are several receptions, and what is one person's master bedroom is someone else's spare room. They were planning to feed it back to the office as a suggestion for others to use as it was so "as a glance easy". having your system worked out early means that once a box is packed you can just label it and forget about it. Oh - and another one on that - write at least a rough outline on the outside of the box of what is contained in it! That's a big timesaver when you're trying to organise unpacking. 


    Really good ideas there. I've ordered some labels today which will help with this but the arrows sound an excellent idea too and the floor plans and A4 sheets
    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 29/7/25
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