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Prosperous soul in the making

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  • DH can have DS on his policy 😁 (I know, it still comes out your budget).

    Your kitchen is really coming together now. Won't be long before you are saying it's finished.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • You will adapt to your keyboard. 
    Definitely stock up on boards, perhaps it might be worth looking into frames and canvas in readiness for the future and your dedicated studio.
    Looking forward to hearing about your clothes.
    It has been cold today, males seem to run warmer than females.

    Try and relax, limit your access to news and other sites where it's information overload, remind DS of the distancing, face covering and washing rules. I imagine DD isn't taking chances.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    The news briefing today said that the numbers did not suggest a spike in infections through school (in the younger years), but at age 17 - 20 there was a definite and quite rapid increase.  So probably need to tell DS to be more careful than DD.   
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Hi MF - spoke to DS - he has signed up to the co-working space so now needs to earn enough to pay for it. It is a rolling 1 month contract so could be worse! He bless him took wipes with him and my disinfectant spray and said he has been religious about using it - on the train, at the co-working space, when going to the loo etc. So I feel a little better. He said the trains were empty and that the office had a space either side of him and across from his so it sounds like they've took the right steps there. They also had plenty of wipes etc you could use. He also took anti-bac gel. He said he got so much more done that he would in his childhood bedroom. You are right I need to limit my news exposure... 

    DS is going to take one of my paintings with him to work and see if he can get people interested in buying my stuff - sweet kid. I have 20 art boards of different sizes - and at least 12 spare canvases so that should get me through for a while - I have plenty of paint. I cooked a chilli tonight instead of painting and picked DD up from the gym - another risk zone. Mark - DD is 17 but because she has ASD is exempt from wearing a mask - it makes her panic - she is the bigger risk currently. She does use gel - but in her lessons they aren't really 1 metre apart never mind 2. At break - they are too close together - although she tends to sit with the same person.

    I've started taking vitamin D as that could be a protector. I need to focus on what I can control - my environment - making it tidier, decorating it - and trying to be healthier.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    ok sorry SH - I had this idea she was younger - oh well it looks like they are being very sensible
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 30 September 2020 at 11:46PM
    Just wanted to pop in and say hi. 
    Sounds like you have been busy as ever.  Great news you have some money back in your savings. 
    In relation to the news, part of some work I do is to train about the impact of negative messages on our wellbeing. If you want to stay updated could someone else in your family listen to the news and report back some key information to reduce your overall exposure to it all. You may find that this helps you and reduces the negative impact of it for you. 
    Keep going. 

    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Mark, Longway2go and MF
    Well today has been ok - not my most productive - so finished early and took back some flexi. Paid £75 off debt. I want to try and make myself paint the ceiling in the kitchen tonight - not done it yet. I also still have gloss and walls to finish before Monday. Will see how I do. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
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