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julicorn's journey 3 - The House on the Hill

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  • julicorn
    julicorn Posts: 2,583 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    I so want to read this book 🤣🤣🤣
    Give it a few more months and it'll be ready, just for you 😂
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Well done on the half million and the book focus ! 
    Look forward to its release 

    I have written a thriller, a london life thing and also started a fantasy - also have a ‘programme’ on my speciality largely finished . Need to get them all out the door ! However side hustle 2 is taking precedence (after MB which is a consistent earner ) 
    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#latest
  • julicorn
    julicorn Posts: 2,583 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Well done on the half million and the book focus ! 
    Look forward to its release 

    I have written a thriller, a london life thing and also started a fantasy - also have a ‘programme’ on my speciality largely finished . Need to get them all out the door ! However side hustle 2 is taking precedence (after MB which is a consistent earner ) 
    Oh that's so cool! I hope you get them published soon, would love to read them <3 I definitely didn't know there were so many authors in our little corner of the internet, it's quite exciting. 
  • seventh88
    seventh88 Posts: 125 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    julicorn said:
    Thank you @seventh88 ! You've also shown me I need to brush up on my Only Fools and Horses references, especially as they weirdly play a role in the book I'm writing  :D
     :D:D:D  go for it! (s)he who dares wins!
     Debt = £8017/£8017 (100% paid - cleared 26th August 2020) Boiler Fund = £2500/£2500 (100% saved - 26th August 2021)Emergency fund = £5000/£5000 (100% saved - 5th Jan 2025) | Mortgage  = £113,431/£132,469 (14% paid)

    Goal for 2025:
    1) MFW £3289/£3000



  • julicorn
    julicorn Posts: 2,583 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    seventh88 said:
    julicorn said:
    Thank you @seventh88 ! You've also shown me I need to brush up on my Only Fools and Horses references, especially as they weirdly play a role in the book I'm writing  :D
     :D:D:D  go for it! (s)he who dares wins!
    Up to almost 10,000 words now, thanks to all your encouragement 😂
  • South_coast
    South_coast Posts: 5,842 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Cushty 👍🤣 
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Sistergold
    Sistergold Posts: 2,135 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Welldone @julicorn at surpassing the half A million mark! Money attracts money and so next is the million! 🌺
    Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
    Mortgage start date first week of July 2019,
    Mortgage term 23yrs(end of June 2042🙇🏽♀️), 
    Target is to pay it off in 10years(by 2030🥳). 
    MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
    £12K in 2021 #54 (in 2020 #148)
    MFiT-T6#27
    To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
    Am a single mom of 4. 
    Do not wait to buy a property, Buy a property and wait. 🤓
  • julicorn
    julicorn Posts: 2,583 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks so much @Sistergold <3
  • julicorn
    julicorn Posts: 2,583 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    julicorn said:
    julicorn said:

    End of November update:

    Current figures:
    Investment ISAs: £74,454.31
    Mortgage: £213,005.57
    % towards being mortgage neutral: 35.0%
    Total retirement pot: £201,061.05
    % of early retirement savings: 21.6%
    End of December update:

    Current figures:
    Investment ISAs: £77,493.45
    Mortgage: £212,517.37
    % towards being mortgage neutral: 36.5%
    Total retirement pot: £205,494.55
    % of early retirement savings: 22.1%
    End of January update. Also worth noting that the overall goal has increased with inflation to £949,500.00, so the percentage of early retirement savings is based on a different overall target. 

    Current figures:
    Investment ISAs: £84,246.03
    Mortgage: £211,503.04
    % towards being mortgage neutral: 39.8%
    Total retirement pot: £217,487.16
    % of early retirement savings: 22.9%


    My book currently stands at around 14,000 words, for what it's worth :D
  • trix-a-belle
    trix-a-belle Posts: 1,531 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Looks good! You are very dedicated to your book already! I never quite get the time to clear my mind and get stuck into mine, just snippets of scene ideas here & there.

    I don't think it was covered previously, how did you come to your 'retirement' figure? outstanding mortgage + X number of years of outgoings?
    - Mortgage: 1st one down, 2nd also busted
    - Student Loan gone
    Swagbucks, Mingle, GiffGaff, Prolific, Qmee & Quidco; thank you MSE every little bit helps
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