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Prosperous & Creative Soul Year 4
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Merry Christmas to you too savingholmes. Sounds like you've had a busy one and hope you can recharge today, ready for a very happy new year!"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/yoga2 -
Merry Christmas SH. Hope you have a relaxing day today after all the driving.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 172 -
Merry Christmas hope you find time to relax and enjoy some me time. The refunds sounds positive it’s always good to realise you’ve overbought but even better to actually get it returned. Here’s to 2025Save £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 -
I love the sound of the glass bird SH. A wee thing like that that makes you smile every day can be so cheeringDebt at LBM (Dec 2018): £23,167
Debt free Feb 20212 -
The glass bird sounds lovely. Hope you manage to relax now."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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The glass bird sounds lovely - and a good plan to put the rest of the money towards things you have already gifted yourself, too!🎉 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/her3 -
Thanks Jwil, EH and AK
Been journalling, making art and done a tiny bit of bulb planting. Hope all is well with you.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 -
That sounds like a great way to spend some time.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
The rainbow bird sounds lovely. I’ve managed to return a duplicate gift this year which was pleased about. The gifter was like oh just keep it as spare but I feel it’s so wasteful and unnecessary so grateful to have the pennies back in my bank.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)5 -
Long time no see Savingholmes! Glad to see you and your great progress!
28/12/24
Deep savings: £14,492.28/£20,000.00
Mortgage balance: £157,183.78
MFW #53 £7.66/£10,000.002
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