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Prosperous & Creative Soul & MFW Year 3
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We used duvets and blankets to protect the final pictures and TVs.Mortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!2 -
Thanks Merlin, Beanie and @Bargainhunter30
Yes - I have spare old sheets and blankets in the garage as well as what the movers bring to wrap up any things that need it.
Still been playing with paint during this process. All being well I have a meeting this morning and need to do some work before getting back on with packing. I'm still trying to surface from sleep. I was woken by a delivery - my fave drink has arrived... B55 - starting with one for breakfast... The rate at which I've drunk it underlined how dehydrated I am.
Just checked my work diary - and the meeting has been moved forward half an hour so best skedaddle and get dressed and signed on!
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 -
Hi SHsavingholmes said:Thanks Merlin, Beanie and @Bargainhunter30
Yes - I have spare old sheets and blankets in the garage as well as what the movers bring to wrap up any things that need it.
Still been playing with paint during this process. All being well I have a meeting this morning and need to do some work before getting back on with packing. I'm still trying to surface from sleep. I was woken by a delivery - my fave drink has arrived... B55 - starting with one for breakfast... The rate at which I've drunk it underlined how dehydrated I am.
Just checked my work diary - and the meeting has been moved forward half an hour so best skedaddle and get dressed and signed on!
Fingers crossed that exchange happens soon.
Also, curious to know what your drink B55 is, the only B55 drink I could find relates to a alcoholic coffee shot. 😯. Can only presume it's probably not that 😁
Lelly x
2023 Weekly Cash Envelope Savings Challenge #04
2024 Weekly Cash Envelope Savings Challenge #033 -
Haha I'm glad it wasn't just me that found that when I searched Lelly!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
me too! Looks like a great shot but g Absinthe, Bailey's and Kahlua!!
I used to drink B52's in my serious clubbing days Baileys Irish cream, Grand Marnier and coffee liqueur. However the absinthe takes it next level ..
You are definitely winning SH!DON'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#latest4 -
Keep going SH, you're getting close to the finish line now 🍀3
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I thought it was britvic orange. Never thought of the B52bomber & that's showing my age.
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You are right Britvic 55 Orange and other flavours.badmemory said:I thought it was britvic orange. Never thought of the B52bomber & that's showing my age.Life is an adventure, never stop exploring.3 -
Thanks @lellybun EH LWAP @Sunshine_girl2 BM and Dancing
Still not exchanged!!! BM got it right on the drink. I don't do alcohol.
Worked 6 hours today. Then had counselling. She couldn't get over the amount of carp that's happening in RL this week. So grateful I went back to weekly appointments for a bit. I have one next Thursday by phone all being well from my new home. Not sure if I will stay weekly for a bit longer or go back to fortnightly and then if things settle long term possibly 3 weekly.
She loved my art. It's interesting to see different people's favourites. Colour and pattern are huge factors. Enjoying having prints I can use in my journal too.
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 -
This is a combination of paper I used as a palette (same special paper used for wrapping paintings), print onto journal, collaged print and pen.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 29/7/259
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