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Prosperous & Creative Soul Year 4
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Great result on the pensions!"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 McGee1
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That's an excellent result on the pensions!🎉 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/her2 -
That is great progress it is so motivating to see those % go up and you have done well saving so much as well as spending out on works to the house.
Good luck with the healthy eating can you combine it with exercise I find that helps motivate my brain thinking it is not worth eating this as I have just been good in the gym class.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 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#latest2 -
Your figures are looking good. Mortgage neutrality date isn't too far away and that will be incredibly motivating for you.1
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Thanks Skint, Jwil, Blackcats. TG and EH
Yes really pleased about my pension growth this year.
I missed my super early meeting the other day despite getting up at 6 with the aim of getting there... Oh well. Obviously wasn't meant to be.
My downstairs is now largely tidy other than the garage and utility area - so really pleased with my progress with that. I shared photos with my counsellor earlier and she fully knew how much effort it had taken to get to this point. DD's BF briefly came today to clean but left early as DD had a problem. Hopefully he'll come back tomorrow.
My weight is dropping now I'm no longer taking the extra med - and I'm eating veg soup and lots of fruit. So pleased with that too.
Only one more work day to go and then I'm finished for two weeks. I have my hair appointment Saturday and any last minute shopping. A wider family event I have to travel for on Sunday - that I still need to wrap gifts for. Then back to family again Xmas day and then I am freeeeeeeeeeeeeeeeeee! I may invite my sis's family for NYE and possibly then DD and her BF NYD.
I'm hoping to get out for walks, make art, possibly write and declutter and decorate. Will see how it goes...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 -
Happy holidays ahead.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. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Finally caught up SH!! You have achieved so much!! Both the driveway and flooring sound like big jobs in themselves so you have done amazingly well getting all of that finished in what is a relatively short amount of time since you moved in. The new raised beds sound exciting with lots of scope for planting.
Hope you have a positive day at work on Friday and a relaxing two weeks off.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 173 -
You took on a lot of work with your new house, I had a similar property years ago, and doing the structural stuff is exhausting, but what progress you've made! You must be going into 2025 on a high! Incredibly pleased for you to get to this point.savingholmes said:
My downstairs is now largely tidy other than the garage and utility area - so really pleased with my progress with that. I shared photos with my counsellor earlier and she fully knew how much effort it had taken to get to this point."Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga3 -
Not long now to absolute freedom! 🤩😊
Your freedom sounds very similar to mine … ❤️
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Thanks KK, Sandy, HSL and Beanie
Caught up on most diaries again now. Plan to get dressed and then nip to Sains to see if they have any of their Robin set. They are sold out online but I bought a gravy boat the other day and it is so pretty... I also got matching oven gloves.
Then I plan to get my top work task done and hope to finish early even if I then owe time...
Hopefully DD's BF turns up to clean. He is due to mop and then if the weather is kind try and clear my lawn. Otherwise plenty to do in the house including putting peg boards up. I bought 3 but may use 1 in the shed.
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 29/7/255
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