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Prosperous & Creative Soul & MFW Year 3

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  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lots of progress being made :)

    "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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks BM. Something to think about it. Perhaps send me a private message with more details on what you are thinking of.

    I need a lot of time alone so doubt I'd cope with coach trips or a cruise. Machu P is on my long term bucket list - but I'd need to lose about 40% of my weight to be fit enough to go there. Rome and Venice are on my long term list as are Barcelona and Lisbon.

    It's the airport part that freaks me out and the airplane rather than necessarily when I'm there. I can generally tell how good my MH is by how far I'm willing to travel... Even going down to see DS is a push currently. Things will settle. I have considered going on the E train or even driving myself and going in the tunnel and going to Paris or Brussels or similar. I have a high need for control and the familiar - and have been to both of those before which helps. I have driven abroad in the past with family and even occasionally flown alone with work (about 15 years ago!) - although I doubt I could do it for anything less than an emergency right now. When DS was living abroad - I paid his ticket for him to come and see me as I felt I'd be too claustrophobic on the plane. My last trip abroad was 7 years ago I think.

    I've done more packing - including some very fragile lamps that I'm hoping survive the move. Done my washing and it's in the drier. Had some porridge for brekkie and macaroni just now. I've got the dishwasher on. I need to get on with that report... Still procrastinating / doing other things instead.
    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
  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Hope you're putting everythng else aside and getting that report done... you'll feel so much better when it's out of the way. (((hugs))) XX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Great news on your exchange. Relief for you. How exciting moving on Tuesday. It's stressful now but it will be completely worth it when you're in.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
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