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Prosperous & Creative Soul Year 4

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  • TallGirl
    TallGirl Posts: 6,226 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Shame about the cleaner one day hopefully you will find the perfect one again but for now I hope it does not cause you too much hassle being without one as least you save money. Well done on the AVC that is a good chunk each month it will add up with the tax relief as well. Are you doing anything about an ISA as well or just the pension now. 
    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

  • doingitanyway
    doingitanyway Posts: 9,985 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Glad family relationships are restored
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the dispute is resolved and enjoy your time with DD and DS 
    "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
  • Blackcats
    Blackcats Posts: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Pleased the family issue has been resolved.
    hope you enjoy your Easter break and your time with DD and DS 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Beanie, KK, Jwil, TG, Blackcats and DIA

    Families are hard. Mine sound like KK's.

    It was good to see DD and DS. 

    Had OHU call today - will be interesting to see what comes of that. I took a half day off today and have booked another for Friday. I had a meal out and bought some clothes from Roman and some bargains from a CS. Let's hope they prove worth while.

    Life is very difficult currently - but still enjoying art. Slowly learning video editing. 
    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
    Sorry to read that life is difficult. I do like Roman clothes, though I did fall in love with some trousers last year and ordered them. Sadly I don’t have legs like a giraffe so they got sent back. Currently not trying to buy any clothes, though I do need some new shoes. 
    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
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about family member, it must be difficult for all concerned. 
    Great that you’ve got plans with DS. Hopefully the councillor will be able to advise re course. 
    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
  • skint_spice
    skint_spice Posts: 13,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about family member. I hope the meds work well at the new dosage.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    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)
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