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Prosperous and Creative Soul Year 5

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Comments

  • jwil
    jwil Posts: 23,573 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Lovely photos!

    "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 McGee
  • savingholmes
    savingholmes Posts: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Thanks Beanie, Lucielle, Jwil and Skint

    Worked an extra long day today - but travel to site tomorrow which loses me 2 plus hours in travel time that I can't claim and I'm less productive then.

    On countdown towards holiday now. Found a brand new tankini and bottoms set I bought for Florida but didn't use so can use that. Also found my Mum's missing euro plug that she lent me last year. I need to return that to her - and buy myself an extra one. I also need to see if I can find any other swim suits / sets. I'd prefer to take 3 to allow time for stuff to dry.

    I bought some of those quick dry towels that pack up small from HB the other day. £4 each can't complain.

    PIP form sent off for DD. Also posted card to DS - with some lovely dinosaur stamps that I've had a while.

    I've booked our airport hotel - £60 each. From there it will be 12 euros for a transfer to the airport on our last morning. So that should help my budget compared with the forecast cost of transfer from the original hotel.

    I've been asking my Mum for her passport details for weeks which she still hasn't sent which is annoying. I've prompted her again as check in is open now. I think there is another form I have to fill in for going to Italy but annoyingly it isn't showing in the holiday T app. Do they just hand it out or am I supposed to print something beforehand? Anyone know?

    A little snapshot below from my daily journal practice (my art plus bought writing stickers)

    20260523_144740.jpg
    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 £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    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 29/5/26
  • beanielou
    beanielou Posts: 99,991 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Your daily journal snapshot is fantastic.

    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • lucielle
    lucielle Posts: 11,863 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    lovely journal. Where do you get your swimming costumes from? I need a new tankini

    L

    Total 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 #124
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