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Prosperous soul in the making
Comments
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Hope you manage to get a better sleep tonight SH, and the leg still improving.
You're always so busy I don't know how you fit it all in, were you pleased with the window cleaner?
Would be great if your dd can help in the house, I have a sister who is a trained decorator but unfortunately she lives 5 hours away!
Have a good evening, H x
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Thanks MF and HM (and anyone I miss accidentally!) It is goo to look out of cleaner windows - but we won't get the full benefit until we clean inside too LOL. I could hear the window cleaner through the window saying, 'These windows have never been cleaned...' He pretty much wasn't wrong. The guy said he'd knock on in 3 months and see if I needed it doing again. We tried the mini hoover thing. I'm not convinced and find it too heavy. DH likes it. DD did do the stairs and DH and I did some of the room corners. I caught up on our washing yesterday.
It's gone cold and windy again. Sad. I am feeling absolutely whacked this week not sure why. I feel secure in my job at least so that's positive - although I do need to make myself actually do it very soon. I had a good day yesterday overall. Payday Monday. I think a CC is due tomorrow. Have a good day all.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 29/7/255 -
Dear diary and all
Forgive me for not having the best work week...
DS, dog and I walked 1.2 miles tonight. Our grocery delivery came - yummy food! Still not heard more re chairs or DS accommodation. Will check on pension tomorrow. I've set up a subscribe thing for my hair colour as planning to continue from home until things improve significantly. Bought some clothes online yesterday & today for me and OH. Sleep well.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 29/7/253 -
It's great that you are able to walk so far after all the issues with your leg not so long ago.
You sleep well tooIf 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) 25/0720253 -
Well done on the weight loss. It’s exciting to read that you have been able to send a painting to someone...great potential for being able to sell your art work.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 172 -
Walk, food, hair dye and clothes what more could you want 😁
The work thing will sort itself out in time, don't be so hard on yourself.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Paid another £143 off CC and £8.72 off target card. Debt now £19619. I have felt exhausted all week. Hope the weather improves soon as I think that's part of it. I need to buckle down and produce stuff for work today so that the week doesn't feel a write off! I finally managed to buy a parasol - not in the ideal colour I wanted but they deliver and it was only about £6 above my total budget. Should arrive before the base but at least it is a step in the right direction.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 29/7/253 -
Just caught up with your diary Savings. I am certain that if I miss a day, I have about 3 pages to read! Good news about the debt repayment and the parasol, lets hope we get the weather for you to be able to use it.
Just wanted to say that you are probably the most focused person on here. You have a plan and you are sticking to it. You are doing so well. I will sit back and watch in awe as you sort everything in your life. I just wish I was as organised. I will keep reading your diary. It inspires me to do better.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 Park3 -
Hi DIA, MF, HSL and Tahlullah - For some reason the posts weren't showing earlier. Thank you for commenting. The difference in my leg and what I can now do is huge - even if I am (as always) frustrated that progress isn't quicker. Recurring theme of my life. I chased the IFA today - and only then did they send it to the pension provider. Frustrating. The pension company rang me - the IFA/admin had also got some details wrong which was annoying. The pension company have sent some questions to the old pension company and say they should be back in touch within a week or two with a follow up call for me and OH so things are moving there.
I've just ordered a double bed for DS so hopefully his time at home can be more comfortable. His current plan is to be around until after Christmas. Most of the bed should be paid for in month 1. We will need to re-arrange his room a little when it comes but should be a huge improvement for him. We bought his current day bed style when he was 10 and while we have upgraded the mattress and swapped the frame for an identical unbroken second hand one during that time it still isn't ideal. He was really chuffed. He forgot to take his meds today and struggled all day to get anything done.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 29/7/254 -
That is frustrating, hopefully by the end of this month you will know what's possible.
The day beds lasted well and I'm sure DS will appreciate having a larger bed when at home. He has now seen the difference when taking his meds compared to not, so he knows they definitely make a difference.
You are on the home stretch with your leg. It has taken a while, but has given you time to focus on other things, which I'm not sure you would have if your leg was fine. Something good came out of it!Mortgage started 2020, aiming to clear 31/12/2029.4
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