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Prosperous & Creative Soul Year 4

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks TG, Lucielle, EH and Blackcats.

    I am likely to be busy putting my house back to rights, emptying my car, catching up on washing, packing etc for a few days. I need to go and pick up meds too. I will also have to travel again and spend time with Mum before and after i go abroad. I am not worried about not having enough to do as everything feels in total chaos and my home and practical stuff has been completely neglected. 

    I am still going on my lakes and mountains holiday and that will be busy and a therapeutic place to grieve.

    I also want to upgrade my travel insurance. 
    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
  • catclaires
    catclaires Posts: 98 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    So sorry for your loss. I hope you have a relaxing and healing holiday (I would think it'll be just the right kind of place for you to be at this time) <3
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,083 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Sorry for your loss SH I hope you can still have a good holiday , time to remember your father . 
    Life is an adventure, never stop exploring.

  • KajiKita
    KajiKita Posts: 7,708 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sorry for your loss but glad that your dad’s suffering is done. I hope it hasn’t come as too much of a shock to you and the wider family (even though these ends are expected in these circumstances it can still catch people out) and I am really glad that you have your holiday coming up. 

    Sending hugs x

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,751 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Blackcats said:
    Sending soothing wishes.  
    Have you got an opportunity to see your counsellor before your holiday?  You seem to get good input from them.

    This is a great idea. Enjoy your holiday
    Sending my condolences SH, sounds like the end was peaceful at least. However it always is a shock for those left behind...
    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
  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Thinking of you and wishing you a peaceful holiday.(((hugs))) XXX
    I 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 unhappy
  • Humdinger1
    Humdinger1 Posts: 2,296 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Darling @savingholmes, sending love.   You've done and are continuing to do the right things for you and everyone else.   Enjoy your holiday, you'll use it well.  Humdinger xx 
  • Watty1
    Watty1 Posts: 6,836 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Condolences, the end sounded peaceful but the loss of a  parent is hard.  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 !!
  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Sorry for your loss SH. I think being near the mountains will help, I always find a sense of awe aids in working through big feelings and being grounding. Be gentle with yourself x
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,350 /£5,000


  • Lauraebrad
    Lauraebrad Posts: 185 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Sorry to hear this - it's really hard losing a parent.  Hoping you get a restorative holiday in the mountains x

    Aiming for mortgage free by September 2030

    Balance 1.1.20 - £69,701.80
    Balance 1.1.21 - £63,699.80
    Balance 1.1.22 - £57,762.80
    Balance 1.1.23 - £53,074.20
    Balance 1.1.24 - £47,902.00
    Balance 1.1.25 - £44,141.20

    over payments 2025 = £1,390/£1,500 /// invested 2025 = £900/£1,500 = TOTAL (YTD) £2,290/£3,000
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