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julicorn's journey 3 - The House on the Hill

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  • trix-a-belle
    trix-a-belle Posts: 1,532 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    In to cheerlead & follow along.
    Thank you for the reminder of LISAs Sc. I turn 40 next week, I had thought about opening one when they originally came about but circumstances changed & it fell by the wayside, i've added a bit to my ISA recently so have just opened the moneybox LISA and filled it up ahead of my deadline so that's an instant annual target for me for the next 10 years.
    Should really look at FIRE more too so this is a great nudge on that too
    I hope the gig was good
    - Mortgage: 1st one down, 2nd also busted
    - Student Loan gone
    Swagbucks, Mingle, GiffGaff, Prolific, Qmee & Quidco; thank you MSE every little bit helps
  • julicorn
    julicorn Posts: 2,586 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Hi trix-a-belle, lovely to hear from you! Thanks so much for stopping by <3

    Definitely have a play around with numbers, you might just be able to shave a couple of years off needing to work. 

    The gig is still ongoing, between sets right now. So far it's not really my thing, serves me right for going along with Mr julicorn without doing my research :D Very experimental ambient electronic music, it's making me contemplate work and my life choices more than not being at a gig, not a great sign.

     There's also a reallt good chance of seeing the aurora atm, so if you're not trapped at a questionable gig in London, let this be your sign to venture out <3
  • South_coast
    South_coast Posts: 5,855 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    julicorn said:
    There's also a reallt good chance of seeing the aurora atm, so if you're not trapped at a questionable gig in London, let this be your sign to venture out <3
    Oh dear 🤣! Nothing here unfortunately (although a bit "sorry, not sorry" as I am saving that for my bucket list) - unless you count the lights on the next town over's seafront!
    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!!!
  • julicorn
    julicorn Posts: 2,586 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    The rest of the gig was a bit better, but more importantly, we managed to catch the aurora when we got home 🥰 So I guess it was more than worth it in the end. 

    Let me see if this forum still lets me attach photos. 

  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Great to hear your plans Julicorn, happy new diary x
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,350 /£5,000


  • trix-a-belle
    trix-a-belle Posts: 1,532 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    julicorn said:
    Hi trix-a-belle, lovely to hear from you! Thanks so much for stopping by <3

    Definitely have a play around with numbers, you might just be able to shave a couple of years off needing to work. 

    The gig is still ongoing, between sets right now. So far it's not really my thing, serves me right for going along with Mr julicorn without doing my research :D Very experimental ambient electronic music, it's making me contemplate work and my life choices more than not being at a gig, not a great sign.

     There's also a reallt good chance of seeing the aurora atm, so if you're not trapped at a questionable gig in London, let this be your sign to venture out <3
    i'm self employed and my mortgage is already paid off so i'm in the lucky position that i'm fairly free already just trying to get a workable balance mentally, physically & financially

    Oh er that does sound like it was an interesting one
    - Mortgage: 1st one down, 2nd also busted
    - Student Loan gone
    Swagbucks, Mingle, GiffGaff, Prolific, Qmee & Quidco; thank you MSE every little bit helps
  • julicorn
    julicorn Posts: 2,586 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Great to hear your plans Julicorn, happy new diary x
    Thank you so much! <3
  • julicorn
    julicorn Posts: 2,586 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    So the budget really took a hit yesterday with our IKEA trip  :# To be fair, we got quite a few cool things and had a really lovely day out with our friends, it just feels like we should have spent about £100 less. Gonna have to tighten those belts a bit for the rest of the month, but that's ok. I also found a really nice piece of furniture that I'd love to get that's about £150. Maybe that'll fit in the budget next month, if not then December or Christmas money should be able to cover it. I also need to measure the space for it properly first, so no rush really. 

    We have some shelving and pictures to put up, maybe later today. There's also a lot of clearing to do on the allotment, and we still need to properly unpack from our holiday which now feels like about a month ago (really it only finished a week ago). With having had to work on Friday, and yesterday being taken up with IKEA, it feels like I haven't really got enough weekend to do all the weekend stuff! Felt a bit down this morning, but I just did some exercise and Mr julicorn is cooking us some breakfast hash now, so all is looking well again. <3

    The markets have been good this week too, so our pot currently stands at £183,245. At £186k we'll have hit 20% of our goal, so that's the next target I have my eyes on. :) 
  • julicorn
    julicorn Posts: 2,586 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    julicorn said:
    Hi trix-a-belle, lovely to hear from you! Thanks so much for stopping by <3

    Definitely have a play around with numbers, you might just be able to shave a couple of years off needing to work. 

    The gig is still ongoing, between sets right now. So far it's not really my thing, serves me right for going along with Mr julicorn without doing my research :D Very experimental ambient electronic music, it's making me contemplate work and my life choices more than not being at a gig, not a great sign.

     There's also a reallt good chance of seeing the aurora atm, so if you're not trapped at a questionable gig in London, let this be your sign to venture out <3
    i'm self employed and my mortgage is already paid off so i'm in the lucky position that i'm fairly free already just trying to get a workable balance mentally, physically & financially

    Oh er that does sound like it was an interesting one
    I somehow only just saw your comment now! I reckon it can't hurt to run some numbers, you might surprise yourself. And it might just show you ways in which you can get to a better balance without giving up work, not everyone needs go shoot for the same outcome after all. 

    In hindsight I feel quite good about the gig - I decided to sit down at the side after posting, and enjoyed it much more when I wasn't standing in a sea of super tall mid-30s men (it's like they had cloned Mr julicorn :D I'm 5'8" myself so don't usually struggle much to see at gigs, but this one was difficult!). And it meant that we got home just as the aurora properly peaked, so it really felt like it was meant to be in the end. 
  • Sistergold
    Sistergold Posts: 2,135 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Oh @julicorn, nice to have you on your/a diary again. Financial independence, now that’s a good plan. Will following and cheering you on! 
    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. 🤓
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