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Prosperous soul in the making
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Thanks DIA - I would like someone to:
- Package and post my paintings
- Post other stuff as needed including returns (majorly struggle with this)
- Help list new and old stuff on 3tsy / Fleabay etc
- Help with social media activities for my business idea
- Do a bit of research on stuff and present me with 3 recommendations so I don't get stuck in paralysis analysis
- Inform me about accountancy options for my limited company
- Preferably fill in forms for me so I just have to sign
- Help me declutter and let things go - DD could help me with that
FB or direct contacts eg friend's kids - two names cames to mind - could start there.
MF - DD cooked dinner which was a win. No queue to do other chores thoughAchieve 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 29/7/257 -
I think my tiredness was because of the tablet I took last night so will try to avoid taking one today. I picked the right day to take half a day off as I couldn't log in at all. Achievements today so far:
- Submitted pension forms to IFA
- Bought myself 2 more lots of compost and 2 lots of bark and 12 surfinia plants in purple, pinks, reds and white. Looking forward to seeing them in the borders.
- Practised some self care - and listened to a book 'everything is f1g0ur0utable' while driving in the countryside to deliver some kit to a colleague and also had a socially distanced chat
- Caught up with 4 work people by phone
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 29/7/257 - Submitted pension forms to IFA
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could you get some free accountancy support from a local enterprise agency.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.4
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Thanks INOD - I will look into it.
Well I am wide awake which is not great. I forgot to take a tablet at the right time and also was sleepy this afternoon so had caffeine which has now backfired. I've ordered some stuff from 1kea including part of my birthday present the base of a parasol. Couldn't get the parasol itself LOL! Still the base was £20 cheaper than elsewhere so should work out. The stuff I ordered isn't due until the end of June. I tried to order a parasol off Mr A but it kept sending me around in a loop so gave up. Talked to DD about list of things I'd like help with including painting and decorating so she is going to see which she is willing and able to do in the time - will start there - (that way it keeps the £ in the family).
I've been quite irritable today - think over-tired as much as anything. DD has dyed my hair for me and it has come out well. Going to try and go to sleep 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 29/7/257 -
Hope you managed to get some sleep SH. Had my appointment with IFA. Transfer value is a high multiple. They’re going to send me a full report of their advice but looking likely I won’t transfer but still have time to decide.Hope DD agrees to do some stuff around the house for you.5
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Hi savings - finally fully caught up - was going to post on my diary but know I haven't popped in here for a while so thought i should catch up here instead
oof to your late night awakeness - i don't sleep well most days and am worse now due to pain i have - but need specialist to open to get help with it other than painkillers - which i try to avoid unless absolutely necessary - we have the some of the same ones i think.
It sounds like things are going really well for DS - how is DD doing with her vlogging?
I would love both time and energy to tackle my long list of things and remind myself progress is progress - it sounds like you're doing well on so many different areas.
I hope you have a good day today and a decent sleep tonight too.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 £TBC3 -
Thanks PF - hope you make the right decision for you that's what counts when it comes to pensions.
Thanks Stripey for taking the time to catch up! I got to sleep around 2am I think. Sorry you are in so much pain and are struggling to sleep. DD hasn't posted anything yet although while dyeing my hair she said she should have videoed that as it is getting a lot of watches on Utube.
I've lost another pound - so just short of the 1 stone mark now. Exciting.
02 appear to be overcharging me - £3.25 a month so I need to ring them at some point to understand why.
I've packed the dishwasher - every little helps and all that
I think my cucumber plant may be dying from over-watering! Oops. This is the one with the 3 flowers on it.
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 29/7/256 -
I'm sorry you are not sleeping, hopefully you can resolve that soon.
DD is fab for doing your hair again, next time she can video it. Let's hope she picks a few tasks off your list, as you say better to keep the money in the family.
Your goodies will arrive before you know it, the way this month seems to be vanishing on us.
Congratulations on the weight loss, I'm sure the rest will follow and you will be reassessing your target again at this rate.
With fruit / veg it's difficult to know how much water to give them. Too little and they grumble, too much and there's grumbles. It's hard being a self-sufficient person at times 🤐Mortgage started 2020, aiming to clear 31/12/2029.5 -
Window cleaner is now here - let's hope it makes a real difference. Got to be better than nothing. I was just chilling - thinking about getting ready to start work when I got a call - I'd forgotten I had made an appointment with someone. Oops. The new handheld vacuum has arrived so hopefully that will get some use today. The noise cancelling headphones have also come and DD is delighted with hers so looking good.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 29/7/258 -
I made the stupid mistake of drinking some lucozade at 5pm yesterday. I was awake rather later than planned last night. I don't normally drink caffeine after 4pm. Bf drinks coffee before bed. He is a bit odd though.
I hope your handheld is good.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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