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Prosperous & Creative Soul & MFW Year 3
Comments
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Nothing like your own bed - hope you’ve escaped xSealed pot challenge 822
Jan - £176.66 :j3 -
Hope your bid for freedom has been successful and you get to see your own house and bed soon!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +12 -
Get well soon SH."Think of many things, do one"
Mortgage 31 Mar'26 est. £202,600 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga2 -
Take care of yourself.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.
One debt remaining. Home improvement loan. 20 months left.3 -
Hope you slept well.
KK xAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 23 books of target 52 in 2026 as @ 28th March.
Produce tracker: £59 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Hope you had a decent sleep and that you are pain free. Try to rest as much as you can, and enjoy your beautiful views.I'll bet Puss was pleased to see you home so have some lovely cuddles from him..... there is plenty of time for everything else when you are recovered. ((((hugs)))) XXXI 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 unhappy3 -
Glad to hear you were heading home nothing beats sleeping in your own bed and a cuddle with a lovely cat. Hope you have a speedy recovery and no rushing back to work they can cope without you!Moved to Denmark for FIRE by Aug 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#latest3 -
Don't go back at it 100% give yourself a "return to work" plan for your new home - create a shorter list of to do's but don't stress too muchI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Thanks all. Much appreciated. DS left around 9.30pm and let cat out after bringing him over for a quick stroke. He got home about 4 hours later bless him. He was amazing.
I will have at least a 3 weeks sick note from hospital. I had then booked a week off for Easter so likely to be off at least a month in practice.
Lovely to be home. Initially came straight to bed. An hour or 2 after DS left and some meds had kicked in went down and sat in recliner. Cat soon asked to be let back in so we had a gorgeous cuddle and I fed him lots of treats.
I've ordered some easy food to come hopefully after sis arrives if not will have to explain and request stuff is brought in.
Handyman coming later part of dual purpose plan of getting stuff done and having someone on hand if needed.
Friend coming tomorrow. Virtual counselling Thursday.
Temp spike overnight but hopefully that will settle. Heard 🦉🦉🦉 multiple times last night and the pre dawn chorus. Nice to be somewhere quieter.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/267 -
Glad you're home and that your new views and peace are proving soothing! if the delivery arrives before your Sister then all you need to say is that you've just come out of hospital and you're not allowed to lift anything - they'll be very used to that and will be more than willing to help, I bet.🎉 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
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4
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