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Prosperous & Creative Soul Year 4
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Glad you’ve got some ‘me’ time to look forward to.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1242 -
Enjoy your time off!"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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Enjoy your time off.2
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Enjoy your break ! That mortgage neutral figure is exciting !8 to over 17% .. maybe you could track it quarterly - annoying you can’t see on the avc ..
I notice my sipps dropped a bit this week but EOY is weird for mktsDON'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#latest2 -
Thanks Lucielle, Jwil, LWAP and CCW
Currently in the hairdressers let my hair colour 'develop'. Picked up a few small items in a charity shop earlier and a crystal bird 🐦 at a jewellers.
So pleased on the pension. Not happy Vgd upping costs on small pension tho as may need to move it but I need to work out what to. Still need to move isa. I moved £1 as a test but already forgotten log in details so not moved rest yet. I have been consider putting more of savings in a s&s isa... will think on that some more. Perhaps £5k ish.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 29/7/253 -
Just call get up with your new diary SH, well done on everything you’ve achieved. It definitely sounds like you are due a restful Christmas xxMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,350 /£5,0001 -
Thanks @powerspowers hope you are well.
Well had a family gathering and a lot of driving yesterday. Looking forward to sleeping in own bed tonight. I've found a better route home - so will test it on Xmas day too. Got back 90 minutes ago - but I find it takes me a while to wind down after a day and drives like that.
I bought myself a new crockery set - but overbought so will return some. I cancelled my grocery delivery for tomorrow and moved it to Friday instead. I just need milk really I think
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 -
Hope you are enjoying Christmas3
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Thanks Blackcats.
Merry Christmas one and all and a Happy New Year!
Done a lot of driving over the last few days. Lots going on in RL but always nice to see little kids enjoying themselves... Nice to be back under own roof for a bit of peace now.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 29/7/256 -
Successfully returned nearly £100 of items. Another £22 of gifts still to go.
I got given some cash for Xmas. I bought a rainbow glass bird which is now hung in my kitchen window. Makes me smile. Will probably put the rest towards what I have already bought...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 29/7/258
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