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Prosperous soul in the making

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Comments

  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    A very positive day and your leg must be having a good day as it's unusual to forget a med when it's pain related. Fingers crossed your experiment works.

    Slow progress is good progress. Please don't procrastinate, tick one thing off your to do list a day to keep momentum going.

    Have a good evening!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Tahlullah.H
    Tahlullah.H Posts: 1,234 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Looking forward to the book.
    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
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,818 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Sorry a bit late but Happy Belated Birthday. 🎂🥳🥂

    Well done on getting the ISBN numbers sorted. I had no idea so much was involved before publishing. 

    The garden sounds like it’s coming on well.  Glad that your DS is able to pick up freelance work. Have a good day today.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks for the birthday wishes. I've had a relaxing few days which has been fab. I've done a lot of fantasy book reading and investigated options for possible covers. I'm thinking of paying for a professional bespoke design. I've found a designer I really like but I would have to wait until mid to end July. Mulling it over. It would give me time to save up!

    Picked up more compost and bark today. Planted out peppers, chives and some of the leeks. I put one of the potted cucumber plants outside as it is at least 4 foot high already! Highlight of today was when a neighbour cut down two trees that were over 60ft tall. We've been worried what would happen if they fell - as previous branches the size of small trees have broken off in our garden in previous high winds. The trees being gone has let more light onto the new veg patch already. DH wants us to go ahead with getting the patio done. We potentially could - money wise the timing's not the best but it would make the garden more usable. We could either put the new chairs on a 0% deal or be in debt a month or two longer. However if we did go ahead with selling our house in future - I think it would add value.

    Back to working tomorrow. Will try putting in earphones to drown out others noise I think and see if that helps. Pain has been worse today but did do work in the garden so that could be why. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    A custom cover would be great for your book and potentially make it stand out even more.

    When you start picking the veg, do tell us if you get any odd shaped or huge ones. Having the extra light and new patio will make a difference, the garden with be a lovely place to relax and unwind, with the added benefit of opening it up to more buyers if you do sell.

    Hope your leg eases ready for tomorrow.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • EchoB
    EchoB Posts: 124 Forumite
    Third Anniversary 100 Posts Name Dropper
    Happy Belated birthday!!! Gosh you always sound so busy!  
    Very exciting on the book front and your garden sounds lovely.  if you think you will enjoy/use the patio and if you can make it work financially then this summer is probably the time to do it, We are all spending so much more time at home, making home better for us is important.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks MF and Echo
    I spoke to the IFA again today as I got a new transfer value through for my pension and it had gone up £30K! He is going to contact a different pension specialist to see if they will take on my case and then come back to me. I still want to do it. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • MovingForwards
    MovingForwards Posts: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    OMG that's wonderful, I've everything crossed for you!
    Mortgage started 2020, aiming to clear 31/12/2029.
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