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Prosperous & Creative Soul Year 4
Comments
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Sounds really positive and great your new work pattern is working. Now the mornings are lighter will the alarm actually do anything?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#latest3 -
All sounding very positive.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 -
Sounds like great progress being made
The local nature area sounds lovely. "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 -
Your nature walk sounds lovely!If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Some photos. The top two are from my garden while the others are from yesterday's walk.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/258 -
Thanks DIA, Lucielle, Jwil and TG
TG - the alarm clock is intended to wake you up naturally without a harsh alarm. It won't be as necessary in the summer as winter - but I'm hoping that I will be more used to getting up earlier by starting with it now. I can only see if it works. I'll still set my alarm as a back up.
I went to art group tonight and got coloured chalks and charcoal all over my face and neck. Made others laugh. Someone rescued me with a wipe!! I've managed to book on for the next two weeks.
I'm thrilled to bits with my new electronic garage door. It - together with the raised beds and the tarmac from before Xmas - and last year's gutter, soffits, fascias and roof work etc makes my house look brand new and so much smarter. Really happy. At £1.4K it was reasonable given I paid £1.2K in around 2018 for a similar garage door at the previous house and there's been rampant inflation since then.
The joiners are ignoring me - so I either need to find someone else - or learn joinery (and buy some kit)!! Or a minimum of a mitre saw and special block thing... I doubt if the skirting boards would be that hard to do - I just would have to get the wood delivered as it would be too long for my car. I'd then need to skooch round on the floor somehow... I might buy a rolling garden seat thing - I was given a semi broken one last year but the seat was breaking when I was given it - so I think I'd prefer to get a new one. Could be a lot cheaper than the £1.8K I had planned to spend. That did include some supplies though...
Due to see DD on Sunday to play mini golf. Not played that for over 10 years so should be fun.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
Lovely photos 😊🌞
The description of you getting covered in chalk and charcoal made me smile. It’s what they call ‘immersive art’ don’t they …? 🤔😉
Great news about the garage door 👏 That to me sounds like a real quality of life thing as it was a constant worry that you couldn’t secure it after going in there. As for the joiners - sending them a Paddington Hard Stare …!KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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
Over the weekend I plan to take some stuff to the reuse shop to free up garage space. When I was at that shop last week they had a table top that matches my others with trestles which I am tempted to get if it is still there for use in the garage or utility. I want to get castors on some furniture I am keeping then may put those in the garage too. At £30 it would be cheaper than my original counter plan. I'd have to get a neighbour to help me move it. I would use the trestles for other things and put 4 cube units on castors under the top so it is easy to move.
Done some Italian today.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/255 -
Glad you are happy with the garage door.
the garden nis looking so pretty!If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
Great that the garage door is a success, and a good price! I think the front of your house is really important, when you come home it makes for a welcoming sight every day."Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga3
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