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Prosperous and Creative Soul Year 5
Comments
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Wow! Go girl. Looking good on all fronts
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 #1243 -
Well done on launching!
"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 McGee2 -
Thanks Lucielle, Jwil and TG
I'm definitely keener than ever to deploy my parachute and get out of where I am LOL. It's amazing what fuel that gives to our efforts!
Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20283 -
great progress. Seems like you are moving forward into the world of creativity and moving away from your paid employment. Fingers crossed you have the opportunity to consider an exit package from your job.
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How exciting, well done you!
Debt Busting Again in 2026
Starting Debt 03.05.26 £5345. Total 01.10.26 £2994
Challenge 1 - Clear M&S Card: Starting Balance 03.05.26 £600, cleared 05.07.26
Challenge 2 - Clear V12 Finance: Starting Balance 05.07.26 £600, cleared 12.08.26
Challenge 3 - Clear Barclaycard: Starting Balance 12.08.26 £940, current total 01.10.26 £344
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Be proud..
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.[/b] [11 months left.[/b]2 -
Fab on the launch - well done - the first steps taken!
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 -
Thanks Beanie, Watty1, Dancing, Blackcats
It feels really good to have finally launched. I'm also desperately hoping I can get a pay out to leave early next year - but if I can't I may just leave anyway - even if I then have to draw my pensions early. I think for my own mental health I need to leave as soon as it is financially feasible - which is this case means next year after my re-mortgage.
I'm looking at what other art I've already made in my journals or elsewhere that I could upload and sub-licence or make into cards etc. I'm going to try and group them - and then see what would be suitable for art cards, t-shirts, mugs, bags etc using print on demand.
At the weekend I will look again at my website and get at least a basic one launched.
I'm also aiming to put a new video out each weekend.
Longer term I will show some process videos of creating original art works etc. But that is far harder than a lot of people make it look - as a single painting could take 10 hours or more - so to fast forward that takes far too long to edit. I need to find a more realistic way of showing the process…
But I have lots of photos of work in progress - so that's also an option, and I could do some close ups of painting some areas - and then show the bigger piece towards the end…
Still over-spending… Cat got injured by another cat so he was at the vet last week. Hoping he recovers but he keeps re-opening his wound… He can't be operated on due to other health issues even if needed…
Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20285 -
Poor cat. 😿
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.[/b] [11 months left.[/b]4 -
Sorry to hear about the cat hope he recovers always a worry when they are ill. Well done on the art uploading sounds like you have really got onto a good start do keep it going. Also amazing you have made the decision re work will make it so much easier now not to get bogged down in it. Are you going to start counting down the weeks, months days!
Moved to Denmark for FIRE by Aug 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
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