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Prosperous & Creative Soul Year 4
Comments
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4 days weeks are spectacularly good, but I'm sorry to hear that work is generally a bit rubbish at the moment. Fingers crossed things will settle down.🎉 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 -
Great news on your working pattern less good about the stresses at work. Sounds like we are both going through the same sort of thing I know I am lucky I have a plan B but I really hope people value you and the things you can do and they keep you. Change is just horrible and it is the uncertainty that is the hardest you just want to fast forward but that is wishing your life away.
Haven't you got your trip to the lakes to look forward to soon? I hope you are ok of course.Moved 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#latest3 -
Hi SH - been a bit absent but think I have caught up. Things seem to be stabilising nicely at work for you, although there may be low morale for longer than you may expect. These things are always difficult - but your 4 day week and extra breaks should help with your work life balance. The thought of BH Monday tomorrow is cheering me up immensely and your part time means you will get that every week (*other days are available)I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Thanks all.
I had a lovely birthday week off. I daw DS as planned
However a Parent is seriously ill in hospital. It's been coming for a while but still... I'm going over to help and visit from tomorrow....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/266 -
Sorry to hear about your parent. Hope all goes ok.Going on sabbatical August 31st 2026.2
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Sending hugs for all the inevitable emotion and tension x
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2026 as @ 12th July.
Produce tracker: £157 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Glad you had a nice week.
Sorry to hear about your parent. Thinking of you xx"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 -
Thanks all. I had best intentions of trapping the cat in so he couldn't disappear before I left but he's had the runs a bit overnight so I let him out and have doors open while I clean up. I've put extra food out for the birds for while I am away.
Just hoping the cat returns before I have to leave. Still need to dress and finish packing. I have a one hour video meeting to go to so there is still time....
Parent seems to have worsened yesterday but still talking.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/264 -
So sorry about your parent. Sending love.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
Sending love and positive vibes to Parent and the familyIf 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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252
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