📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Prosperous soul in the making

1122123125127128396

Comments

  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    The garden is starting to come together and how lucky were you with the tree guy! I'm sure your whole garden will open up and your ideas will keep expanding with each change you are making.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • All sounding positive & very productive x
  • EchoB
    EchoB Posts: 124 Forumite
    Third Anniversary 100 Posts Name Dropper
    Wow-just had a catch up, you’ve made fantastic garden progress and also well done with the weight loss.

    I have tried planting tomato, pepper and chilli seeds so will see how I get on! I’m restricted to growing things in pots so any ideas/suggestions would be welcome!

    You seem so motivated and I feel like reading your diary has spurred me on a bit so thank you! 

    Have a great Monday :-)
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Dancing and Echo. The guys are here now cutting down my tree - and could be about to start one at the neighbour behind which would be fab as in our opinion their tree is dangerous. Need to make myself do work from home now. 
    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
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well thankfully the weather was nice yesterday and the tree came down safely. The neighbours haven't had theirs done yet sadly. Will let you know if that changes. We kept the big logs so those are now stacked down the side of the house for either woodcraft or fire logs later. I now have more light in my garden -  but hard to tell how much as the it has rained pretty much non-stop today. I sowed some spinach and leek seeds yesterday. I have had to pot on the peppers, cucumber and tomato plants I bought but kept them inside still. My beans (Hestia) I have started potting on where I have something to pot into. They are about 4 inches tall already! I was planning to put them outside but it has suddenly gone colder so will probably wait. My lettuce is now germinating as of yesterday so that makes me more hopeful. No sign of my outdoor sown peas or carrot seeds - so may have to try again. The peppers still haven't germinated but are I think still within the 'window' where they could.  A load more seeds arrived yesterday including flowers (nasturtium and marigolds) so looking forward to planting those as veg companion plants. 

    Now I have my weekly recurring grocery order back in place - thanks to Mr A - I plan to try and get the grocery budget back on track. I may stray from that if I have a lot of missings or substitutions so will let you know how I get on. We did get eggs and milk, TP and KP on the last click and collect so that was an improvement. In the next fortnight we have our usual CC payments - should be a touch over £300. We still haven't heard from the uni about accommodation costs so still holding onto £933 for that - but hoping not to have to pay it. DS has managed to get some research work via a referral from a relative so that's really positive.

    Hope you are all keeping well and finding positive ways to occupy yourselves.... I may have decoupaged some boring grey plant pots with kiddies playful patterns, flowers, partridges and trees using stuff I already had. Well it did start raining!!
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Great news re: the tree. H chopped down two in our garden last year and it made a huge difference to the light. We also have a neighbour with a dangerous looking tree. I wish they'd get rid of it! All sounding very positive SavingH. You are so motivated :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Your garden is coming along nicely and it will be good to hear how your produce grows / tastes and what you would / wouldn't use again next year. It's always good to hear results; my brother sends me photos :smiley:

    I'm pleased the tree has come down and you will make use of the logs. I'm sure there will be extra light even if it doesn't feel like it.

    Fingers crossed the accomodation doesn't want payment, I'm assuming you are keeping an eye on their website.

    How's everyone's diets going? Is DH more stable now with his meds / results? More importantly, how are you feeling and how's your leg?
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Wow holmes you are keeping very busy! I can't wait until we have a garden we can do whatever we want with :) hope the sunshine gets into your garden as planned x
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks MF - the accommodation place will email in due course. Just trying to ringfence the money in our EF for now so it is more out of sight. 

    SSDD23 - I am growing some of my veg in containers so you could have a go. You could probably grow stuff long term on your windowsill even - although preferably on trays rather than the haphazard way I am currently doing it. My windowsills will need repainting - but then they did before too.

    Well it is a brighter day today -- still cloudy but bright. It's not currently raining so I planted marigolds in recycled plastic trays. I will do a couple of hours work and then take a decent lunch break and then hopefully start off some nasturtiums. I have some red geraniums flowering in the front garden now and they are beautiful in among pink geraniums and blue forget-me-nots. My newly planted delphiniums are getting ready to flower. I have loads of 'granny's bonnet' in flower too. I think I may plant some beans in pots near the house today - I need to make space for my next sowings!
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.4K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.6K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.