📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Prosperous & Creative Soul Year 4

Options
1222325272861

Comments

  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Glad you booked your holiday.. Something to look forward to!

    Keep going on the new business plans
    DON'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#latest
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Using up supplies is definitely decluttering!

    Holiday sounds great too :)
    "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 McGee
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oooh when are you off?
    L
    Total 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 #124
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    sounds great with the camera, and enjoy the howlers that AI makes while you can, its getting better constantly
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 20 January at 11:44AM
    Subtitling is pretty much essential for video these days to ensure that your content is accessible I think. I frequently look at stuff (mostly on insta, but sometimes YT as well) when I'm not in a position to use sound, and a lack of subtitles guarantees I'll just move on to something else, although of course the accessibility for deaf people is the more important aspect.  I'm need to make more efforts towards ensuring I add descriptive text to photos as well - I'm shockingly bad about that! 

    Great news on the holiday - lovely to have something to focus on and look forward to! 
    🎉 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
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • TallGirl
    TallGirl Posts: 6,231 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Great to have something to look forward to holiday wise it does keep you going this time of year. Great with the learning glad you are able to experiment. How is the website coming along? Can you use the clips on there too? 
    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#latest

  • Blackcats
    Blackcats Posts: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Great to have a holiday to look forward to.   Really helps when it's cold here to imagine the warm Mediterranean sunshine.
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Mark. I agree - some of the AI stuff was frighteningly good. Frightening in the sense of future job security! Today I disappeared down an ASD money rabbit hole - vaguely connected with my channel - but partly seeking reassurance that even though my theoretical net worth has been eroded by recent spends on the house - it's not the same as part CC fritter spend - so therefore okay...

    My recent spends on my potential business have also spooked me... but i want to persist with that.

    Thanks EH TG and Blackcats 

     Others advocated for the holiday spend so I feel okay about that... My brain is weird...

     I reviewed my investments and pensions on Friday - and they have had a very happy month. Not sure what's gone on but even my recent S&S investment of less that 2 weeks had gone up £96 on £5K which was a very pleasant surprise. Even though it only pays interest annually - it was also showing some accrued interest on my new ISA too which cheered me up.

    Today I managed to return 5 items so over £50 on its way back to me... 🥳 🎉 
    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 29/7/25
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the returns. Money better off in your pocket than theirs. 
    L
    Total 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 #124
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.