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Prosperous & Creative Soul Year 4
Comments
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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 £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 29/7/254 -
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)
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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.2
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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
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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 -
This is a great idea. Enjoy your holidayBlackcats said:Sending soothing wishes.
Have you got an opportunity to see your counsellor before your holiday? You seem to get good input from them.
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#latest3 -
Thinking of you and wishing you a peaceful holiday.(((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 -
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 xx2
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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 !!2 -
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 xMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,850/£5,0003 -
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 = £1,450/£1,500 /// invested 2025 = £1,050/£1,500 = TOTAL (YTD) £2,500/£3,0003
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