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Easter 2025 I’m coming to get you!

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  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks savingholmes!  The problem is remembering where I put it 🤣.  I spent most of the day in the garden yesterday sorry if your weather was bad but surprisingly it was dry, mildish and sunny with me (North Yorkshire).  I did my winter tree pruning and gave one bad boy a lockdown haircut 💇‍♀️ it was sold as a patio variety of an apricot but definitely isn’t as it had got to about 7ft.  Well now it’s about 4ft.  It can either grow or not and if it doesn’t I’ll take it out later in the year; there’s no love lost between us as it just gets leaves.  My other patio varieties are fine and about 4.5ft high and do produce fruit.  I also planted a third of a packet of sweet peas so spring is on its way.  I chatted with a lady on the allotment yesterday and asked how long they were on the list as they got theirs last spring.  They were on about 3 years after being told the wait list was about 4.  We have been on the list just over 2.5 years and we’re told the wait list was 4-5.  It gives me an idea of where we might be.  I also sat the the garden later on wrapped up with a cuppa and thought about where things might go and what seeds I might need so best make a plan before I forget.  As a result I had a really good nights sleep 💤 
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sweet peas are so beautiful and flower for such a long period
    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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are getting positive feedback and are feeling calmer. Long may that continue.
    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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are feeling calm. You are not alone with your house and garden being in a state. We can't do everything - and need time to relax too. Sounds like you've got positive plans for the garden...
    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
  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Afternoon All.  Been away a bit as not quite feeling the love for lockdown!  I’ve managed, hopefully, to pull myself out of the fug and have started looking forward.  My heated propagator has seedlings poking through, my raised beds are made although I need to dig over patch and place them properly.  I’ll order some compost this weekend to get them filled and on their way.  I’ve got washing pegged out (which is always joyous in my world) and the beds have been changed.  Payday on Friday so serious meal planning is required for shopping as we slipped a bit this month.  It’s my son’s birthday two weeks today so cake will need making and I’ve no idea what to buy him; his suggestions are not acceptable 🤣. My mortgage is now just under 47k which is pleasing to see and my overpayments are on track.  So looking at things logically not bad really!  
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Laughing at DS's present suggestions being unacceptable. Too expensive? Too noisy? Too big?
    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
  • L9XSS
    L9XSS Posts: 438 Forumite
    Third Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    Pretty much on the same trajectory as you! My mortgage is around 46k remaining with 3 years 11 months to go. I think your in an excellent position and doing really well. Yes you are doing a brilliant job, be kind to yourself. No way could I have achieved this when my children were so young!
  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks Guys!  The unacceptable presents are an electric guitar or a motorbike; he’s going to be 8.  He did ask for some more police cars or fire engines so I think that’s what he will get. 
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
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