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Prosperous & Creative Soul Year 4
Comments
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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 est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga2 -
Merry Christmas SH. Hope you have a relaxing day today after all the driving.paydbx2026 #19 £1499/£6000 . Mortgage start £148k June 23 - now £133k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.172 -
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 2025Moved to Denmark for FIRE by Aug 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 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA 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 £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/264 -
That sounds like a great way to spend some time.Mortgage OP 2026 £640/2000Mortgage balance: £32,240
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30002 -
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!
28/09/25
Deep savings: £24,185.28/£20,000.00
Mortgage starting balance: £157,183.78
Today’s balance: £142,800.80
2025 MFW #53 £10,015.32/£10,0002
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