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Prosperous soul in the making

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  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    I am in awe of your progress regarding general health, weight loss, work, pain control, gardening and growing your own veg.  I have no such impetus or inclination, but will live vicariously through your trials and tribulations.  You are doing great so far.  If you could bottle positivity, you would make a killing!

    I am in the same place as your hubby in relation to the drive.  It needs doing.  I have allocated the money from my holiday to it - assuming at some point this millennia it is actually refunded.  Holiday companies are quick to take it but no so quick to refund!  Anyway, I am certain the money could be used more productively, but the drive needs to be done, so getting it out of the way whilst I won't notice the cost. My real concern has been the builders desire to do it during the period of lock down.  Should I encourage them to flout the 'stay at home' government guidance?  Interested to know what your thoughts are on this.

    Enjoying your journey. Hope you are too.
    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
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    @Tahlullah.H it's not flouting guidelines, those unable to work from home can go to work. There are still gardeners working around here, my brother is in the building trade and still working on site. As long as social distancing is followed, your drive could get done, if your chosen person is working.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    That's good to know.  Have been agonizing over this!  Thanks for the clarification.  It's so easy to misunderstand the government guidance.
    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
  • hugglemonster
    hugglemonster Posts: 1,245 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    What a good idea about using the plastic trays as seed trays, I'm running out of trays to use under planters so when watering the plants it's just coming out again. I'll remember this when cooking later, I do have a greenhouse effect made out of the strong plastic bags dh uses at work which are brilliant!

    Well done for sorting through paperwork, definitely a win.

    H x
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad it helped Hugglemonster

    Well the patio and drive costs came in but they are way too high for this point in our debt journey - at least without getting at least 3 quotes. However the fab news is that over the way were getting some tree work done so we've got them to quote for ours too. So we are getting a plum tree taken down to 10 foot - it's at least twice that. We are getting a swamp willow coppiced down to fence level and then we will keep it under control each year from there. I was never sure what that tree was. The great news about that is the swamp willow is what is shading out my garden so I am hoping it will become a lot sunnier again - and therefore be better for veg growing. That will make it easier for us to reach our (cooking) cherry tree too as the other trees branches were always in the way. They will come back tomorrow.  Exciting. They are going to leave us the logs so DH can have fun woodworking them or for later fire pits. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Great idea to use the cut down bamboo as support for plants 🙂.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • doingitanyway
    doingitanyway Posts: 10,062 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Great work on the garden. L1dl advertised some fruit trees for sale this week but none there when I checked sadly. I think fruit trees might be the way forward for me as they require minimal work :)
    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) 25/072025
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Brilliant work on the garden. I'd say it is looking amazing. I'm envious of your garden. Ours is v small and currently half of it has been taken up with a trampoline!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
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