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The impossible dream

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  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Hi GT and TG. I can't imagine being a person who makes a living, has a business selling things on ebay. I think you must have a particular temperament for it.  Anyway, it's good that everyone is managing to declutter and make a bit of income on the side. As they say, every little helps.  It never occurred to me to put a financial target on my sales.  Perhaps I should, but that would then obligate me to find other things to sell.  Decisions, decisions.

    Just got my house insurance quote through.  It is lower than last year.  I'm not even going to try shopping around.  They were great last year, the process was smooth, easy and pleasant.  And this year it comes with the added bonus of being cheaper, so I will just go with it.  Not very MSE I know, but sometimes, it's not about saving money, it's about quality.  In a good place as I have the money to pay for it outright.

    Kitty has been bitten on his leg by something.  Licking it to death, so I have treated him to some antiseptic spray and a collar to prevent him licking it.  It's inflatable, and definitely better than those buckets the vets use.  Anyway, just watching to see how he progresses.  If it looks like it may become infected, off to the vet we go.  Luckily, he does have insurance.

    Prolific Academy not doing much at the moment.  Not progressed past the £10.00, but then again, I am not sat staring at the computer all day.
    Have £11.00 in Nectar points, so something to use at Christmas.
    Have £98.00 in Top Cashback. Again, there for Christmas.
    Have £43.00 in Tesco's points, again, there for Christmas.

    I guess everything is going in the right direction.  Still need a cleaner though!


    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I want my cleaner back too!!! Well done on the bay stuff. You are paying more off your mortgage than you originally planned. Love the age 55 plans too. Keep reminding myself my time will come and need to find ways to ensure I enjoy the present too
    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
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Tahlullah - I was productive working from home with some time in the office but this is an unprecedented amount of time for all of us - and with everyone home - my peace and quiet (the best bit) evaporated so I have been struggling too. We have invested in noise cancelling headphones recently that are helping though. We have cash too - like you found no-one wants it so when this is over likely to have £60-70 in cash left!
    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
  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    A fantastic amount of money just left lying around not being spent SH!  No doubt it will come in useful later on when life returns to the new normal.

    In relation to ebay, it has definitely slowed to a trickle.  Oh well, I had a good run.  Still doing Prolific.  At £17.00 now.  Might be a while before I get to purchase a holiday with the earnings!

    Nothing happening with my accounts.  This is good.  It means I am within budget across all accounts.  Such a great feeling to be completely in control of my finances.
    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You have been doing really well and sound much more motivated to get the debt/mortgage gone than before.
    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
  • greent
    greent Posts: 10,783 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I was motivated with pr0lific last year and made an average of just over £20/mth when doing it - but that's without being tied to laptop and having teh browser extension (only in chr0me) which alerts you to surveys. Still not an amount to be sniffed at, though :) Must get back on it - I've done a few recently, but have only been checking from my phone, and a lot aren't possible to do without going on laptop :(
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Hi Tahlullah
    I am all caught up with your diary and your productivity with your plans for the future and decluttering now is inspiring  :)
    I am so pleased to be up to date.
    I'm sorry you're finding it hard to be work motivated whilst working at home. I'm finding it hard to be work motivated and i am still going to work - it is a challenge! I think for you though it sounds like you maybe have less to do than usual - and i agree it can be hard to summon the energy and enthusiasm when this is the case. If you don't have to work  for a set number of hours a day then would it help to set a timer (i have a good old fashioned one in the kitchen for cooking) and spend 20 minutes (for example) completely focused on a work task and then get up and do something else eg wash the pots, list an item for sale etc. and then start the next 20 minutes or so. I do this sometimes but that's at home when there's a big task to do and i want to break the time down and achieve other things too.
    Hope puzzcat is doing well? Ours have not been enjoying the amount of rain this week.
    1st May 2025
    Mortgage Balance 1: £21,601.50 4.98% Now: £18,044.31
    Mortgage Balance 2: £84,420.24 Now: £83,562.45

    Credit Card Balance 3: £10,911.76 Now: £7,237
    Student Loan £TBC
  • South_coast
    South_coast Posts: 5,886 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    greent said:
    I've done a few recently, but have only been checking from my phone, and a lot aren't possible to do without going on laptop :(
    Don't believe them when they say you can't use a phone greent, I always just click through regardless and even though it gives you a warning, probably 80% of the time it's absolutely fine (if you really can't use a phone then they don't let you start to take it)
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • greent
    greent Posts: 10,783 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    greent said:
    I've done a few recently, but have only been checking from my phone, and a lot aren't possible to do without going on laptop :(
    Don't believe them when they say you can't use a phone greent, I always just click through regardless and even though it gives you a warning, probably 80% of the time it's absolutely fine (if you really can't use a phone then they don't let you start to take it)
    Oh! That is good to know - thanks for that, South_coast :)
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
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