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Prosperous soul in the making

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Mark, Tahlullah, Bella, Sandy, Lifestarts, ES and EH.

    Still ill today. I am debating changing the locks. I was originally going to change the whole door as a more subtle way of achieving that. But decided that was way too expensive. Will see if I have a problem first.

    I have given a  neighbour a key for emergency use and I have hers.

    I am picking up a side table for a fiver tomorrow that I plan to upcycle. I may even follow Bella's example and try using resin.

    I have bought some stuff to allow me to upcycle furniture including stuff to mix my own chalk paint. As individual colours are ridiculously expensive. I will let you know how it goes once I start.

    I have a fun £ and art £ pot and it is one of my top priorities for my new life. I do agree though @enthusiasticsaver that I mustn't get too carried away.

    I have pretty much said I will not get Xmas gifts for most people this year or tokens at most. On Monday I should hopefully be picking up vintage comics for my brother for £5 from FB etc. I have just bought a sis a v0gu3 cover reprint from the 20s for £7.

    I am giving 2 of my nephews Lego from DS and £2 of second hand books. Going to look for something in a CS for the other 3 littlies. Older nieces and nephews aren't getting anything.

    Need to get something for my parents. My own kids I have set a strict budget for so should be fine. Don't buy for parents of littlies although they might get some art
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you and your husband recover quickly ES.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • jwil
    jwil Posts: 21,944 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you are feeling better soon 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
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I hope you're feeling better soon too.  It doesn't seem to be holding you back too much but remember to take time to rest.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
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