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Prosperous soul in the making

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  • You are run down, doing loads and not getting much rest. It's also the weather / season for colds. Keep drinking water and while tidying / de-cluttering think about using a mask to limit the amount of dust you're exposed to.

    Hope you're feeling a little better today.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Sounds good and productive today 😊
    Mortgage started 2020, aiming to clear 31/12/2029.
  • jwil
    jwil Posts: 22,196 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You are making great progress and well done on returning stuff too!  It's so easy to add to the clutter with stuff that just isn't quite right.
    "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
  • doingitanyway
    doingitanyway Posts: 10,127 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Good luck with the continued decluttering. You've done so well with this.

    If 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) 25/072025
  • I hope dd is apologetic today, agree it's difficult to know what to do for the best r.e. school but that social contact is so important. My dd will be off for 2 weeks due to lockdown but she said it's not great as they have so many assessments and Mocks to do this half term she would rather be there. 

    The house sounds like it's beginning to take shape, waiting to put it on the market will take a bit of pressure off you I hope.

    H x
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    What a shame DD reacted how she did, mirrors do let light bounce around rooms and to bring the garden inside is a lovely touch. She seems to be under a lot of stress / pressure and is taking it out on you, instead of talking.
    It is really hard, 'perfect' people in the media, online, films etc, owning what we have is the way of dealing with it.

    That's a lot you have scaled down and helping others at the same time.

    Making changes, decluttering, paying extra off or not, each is one step closer to moving, maybe not this year, but when the time is right it will happen.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Chrystal
    Chrystal Posts: 2,005 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Hope today is a better day for you.  (((hugs))) 
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks DIA, Crystal, HM and MF. I've had a mega busy week with work this week which is why I've been silent. Thankfully we are all doing fine. DS's work is picking back up and he is getting new business through the co-working space and my brother which is fab. DH was also paid earlier in the week. We are putting the £ aside for the patio though so feel like we are making very little headway against debt. Next month should be pretty much fully focussed on debt repayment though so it should balance out. I have an electrician!!! He's coming tomorrow and will do the plug sockets for £55 so really pleased.

    DH and I had a meal out at a quiet, posh pub I like today - where people even in normal times are very spaced out - 2 hours felt like a mini holiday. Considering booking to go there Xmas day if we can't go see family... DH thinks it will be £ well spent for a change of venue and reduced stress and no washing up or pressure. If I knew Xmas was definitely not a goer in the normal way - I would book it now... I don't know whether I am just being naive to be uncertain.

    My £55 clothing refund came through and got knocked off my CC which is good. This month I've been better at paying stuff immediately from our bank rather than reaching for CC so hopefully can now get back on track. In the last 12 months we've repaid £1170 off our mortgage. It all helps. Last payment for DD's phone has gone out - but unfortunately replaced with 6 x £67 pcm payment for DH's car. We will review what we do about putting the house on the market after the back garden is sorted - but currently leaning back towards waiting until next spring.
    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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