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Prosperous soul in the making
Comments
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There's not really many things we do 'need' in life SH, a roof over our head, food on the table and enough money to pay bills and clothing. Everything else are 'wants' to make our lives have more colour and emotions, contributing to us as unique individuals.
I think you would get a lot of inspiration from the dragon and could negotiate the price down, maybe think about it for a bit. The lamps and chair, well it's always possible to get those but they feel like buying for the sake of doing something, that instant lift and feel good factor but with regret following behind.
Canvases sound good. Would it be worth investing in better gloves or a jumpsuit thing to protect yourself.
Mortgage started 2020, aiming to clear 31/12/2029.5 -
I would be too hot in a decorators suit... At the moment anyway. Good suggestion though.
I will hold off buying for now.
I took DD to an ice cream farm today. She had a triple cone while I had a single. Also took dog for a walk almost 2 miles. Tried to take in the beauty around me, the obvious and the hidden.
I was fascinated by these orange-brown leaves floating in a puddle and the reflection of the tree above.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/258 -
Gaiters would probably work too.
Great photos, l like how you've captured the cottage type garden with a tease of the old building.Mortgage started 2020, aiming to clear 31/12/2029.6 -
The pictures are beautiful, especially the roses.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 175 -
Thanks MF and HSL.
This was a work in progress. It's dried quite different but this is adult messy play!!! I want to have another go playing with these colours another day. Unfortunately the more vibrant colours sank a little as it dried so I need to find the right consistency stop that happening... All good funAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/257 -
Beautiful photos as usual
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720255 -
That is gorgeous, volcanic flames rising from within the ocean.Mortgage started 2020, aiming to clear 31/12/2029.5
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Great photos and painting!"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 McGee3
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Thanks MF, DIA and Jwil
Been going into the office this week for a change and seen more people. Doing me good. Debating whether to go in too as well. Definitely in tomorrow.
DD has theory test Friday. Hoping for the best for her.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/256 -
Had good day. A couple of good conversations at work. Got stuff done too. Came home and then took pooch to local park (walked). Shattered.
Trying to eat better too. TodayPorridgeApple and bananaShop bought veg soupMini trifle and few raspberries
Tinned salmon in Marie rose sauce, lettuce, pepper, spring onions
Mini pack skittles and choc toffees...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/255
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