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Prosperous soul in the making

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  • jwil
    jwil Posts: 22,152 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the visit went well.  Hope work is ok today x
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • MovingForwards
    MovingForwards Posts: 17,153 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Glad your meeting went well and you had a lovely tea as a reward. You can relax knowing your helping hand is back 🤗
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    I would definitely be breaking out the bunting and arranging a street party, despite local lock-down!
    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
  • savingholmes
    savingholmes Posts: 29,001 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well bless my cleaner she made an amazing difference. She stayed 5.5 hours in the end and has offered to ring me if she gets a free slot! She was very nervous about coming back - especially as so many people are home working still but I sent DH and DS out so it was only me and DD. She didn't do DS or DD's rooms or the lounge but still did loads. Our dog was made up to see her but she didn't walk her today - just focused on cleaning. She's not due back for a fortnight - but at least she did 2 extra hours today.  

    Still waiting for my refunds. I have the plumber coming tomorrow to take out the gas hob - and then my 1k3a stuff coming Friday and oven hood Sunday. Still need to sort a joiner and an electrician. DH still hasn't finalised the shed. I've had a very productive work week so far which is good. Had work I was enjoying today in particular which always helps. Glad we get a bank holiday Monday. Really hoping my refunds get sorted soon.

    DD wants me to amend her CV  so she can apply for a supermarket job so her confidence must be growing. She would earn twice as much doing that compared with her washing up job. My brother gave DS a couple of hours work at £10 per hour - boring but better than nothing. He's registered on a freelancer site and submitted some bids. He's about to run out of meds though - rescuing him would cost a few hundred pounds so I am not sure we should... but it's meds....??? Will sleep 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 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,153 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Your cleaner is a trooper! 
    DD is doing so well, I'm pleased at how well she is doing, progressing and wanting a bit more to do with herself. Turning into a butterfly to see and do more 🤗
    Tough decision to make with DS, if you do help, do it as a loan.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • juliejim
    juliejim Posts: 7,944 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Woohoo for your cleaner! 
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
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