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Prosperous & Creative Soul Year 4
Comments
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Sorry to read about your parent. Safe travels
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 -
Sorry to hear about your parent. Take care.Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
So sorry to hear this hope you get there and just remember work can wait this is more important.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#latest2 -
so sorry to hear about your parent. Always a difficult time, but make sure you look after yourself as well!!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Sending soothing thoughts.2
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Sending love @savingholmes. We're all here when you have a min Humdinger xx2
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Sending hopeful thoughts SH, for you and for the wider family including your poorly parent.🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Just catching up and am sending you a virtual hug and hope your parent is stable and comfortable
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#latest2 -
Thinking of you and sending gentle (((hugs))) XXXI Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy2 -
Thanks all.
Parent still holding on. Hope they may be able to come home and have palliative care. Bed and equipment delivered yesterday. Bit of a rota with siblings and brother flew back yesterday. He's coming to help for a few days. Earlier in the week we doubted parent would last this long.
I had to go in the garden and grab the cat 🐈 when he was at a lower level the other day.
I didn't work Tuesday but did work part of yesterday. Unlikely to work today but hope to tomorrow. Otherwise have to take as holidays or sick. Going to hospital this morning. Then run around to try and get some stuff for parent. I hope to grab an hour or two and eat with my brother alone as I rarely see him as he lives abroad. We chatted briefly when he arrived after midnight. Existing on 4-5 hours sleep.
Refilled the bird feeders at parents' house yesterday. I introduced them to a bird id app recently and they have loved it, especially because it also helps identify bird calls. I've bought them some prefilled bird hangers too. I've also helped with furniture moving.
Hope to set off home say mid afternoon. Just hope cat got over his runs and I don't arrive home to more mess! Need to get him vaccinated so can put in a cattery if needed or see if I can get a pet sitter.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/255
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