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Prosperous & Creative Soul Year 4
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Wow to AVCs. You are really rocking this now!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 -
Sounds like you’ve got everything covered. Brilliant AVCs
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 #1243 -
Those AVC’s. Wow.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Thanks KK, Lucielle, Watty, Beanie
This weekend I want to work some more on a portrait I was originally trying to finish before the wedding. DS is starting to look good - but his partner still looks like a cartoon figure!! It's one of those where you start blocking in underneath colours and gradually refine but still... It would be nice to resolve. I'm seeing them in two weeks and it would be lovely if it was done.
I'm still debating buying a printer as it would make doing my art easier. But I get caught up in research and then can't make a decision.
The house is deteriorating again so I need to resolve the mess - but I've tried starting with that - e.g. last weekend - and spent all weekend trying to make myself do it and did no art. This weekend I plan to start with art - make some progress on that - and hopefully do some tidying and decluttering too. My house has to be 'right' for two weeks today as I have DS and his partner coming and one of my sisters and her family.
DD picked up her stuff from here the other day - but left 3 or 4 bags of stuff for me to take to charity which are filling my boot - so I want to resolve that today. I rang the jeweller on my silver ring - and it would be £60 - but I had £20 in my brain so I'm unsure - but the ring itself is gorgeous - I just wonder if I should ask another jeweller for a price as that was more than double what a jeweller had said on another ring I nearly bought.
I'm tempted to go out to lunch - I've used up everything I batch cooked - and don't know if I have the energy to start again yet. I also need to order more groceries.
In theory I get paid Monday but it was already in my bank by midnight which is nice. I need to do the full money shuffle next.
Have a good weekend all.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/254 -
Enjoy your weekend
"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 -
Your finances are looking great
I think put the art first then do the house second...
I've obviously missed something as you used to have a cleaner?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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
I'm in awe of you being able to paint a portrait!
I've been doing 10 minute bursts of housework related tasks or de-cluttering tasks and I'm finding that I am quite happy to do it and it is making a difference. Set a timer for 10 minutes or make yourself a 10 minute playlist or listen to a 10 minute podcast.Hope you treated yourself to a nice lunch.2 -
Podcasts are definitely my way of getting through housework - keeps my brain busy and occupied!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252
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