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Moving forward and upwards

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel better soon. 
    Love how much of a gardener you are becoming - talking about inter-planting and - of course - the add on to that - companion planting.
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    I just dont know how you do it. I feel so lazy but you are inspiring me to have a go! I do hope your sleeping improves. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you SH and SW
    I've suppressed the gardening desire for years, tried to fill my time with other things and now everything I've wanted to do is coming alive and I'm having fun.

    I'm not sure how I do it either and it must be sheer determination.

    Today I kept so many plates spinning, but remained upbeat and chirpy when sending emails. If I'd been a physical presence it felt like I could have the full focus of people, in reality all I'm doing is wearing a management hat, not standing for any rubbish, advising people how to do things and calling meetings to get things organised how I want them to be.
    - if only I could do that across everything I'm doing, it would make for a nicer and more relaxed working week.

    Have to try and get ready as it's a gorgeous evening and I need to water the garden!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 9,965 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sorry you are having a hard time with health right now.
    Wishing you a restorative sleep tonight :)
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gardens bring such joy. If you let your radish flower they produce tall delicate stems of white flowers...

    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
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks DIA and SH

    Sleep will happen when it's ready, if I stress over that it will make it worse.

    Due to the hot weather some cabage, cauli, raddish, lettuce / salad leaf have all flowered, I'm leaving them to it. What's the worst that can happen? I end up with new plants! Flowers look pretty too 😃

    All my herbs, toms and strawberries are in flower.
    Some spuds, spinach, beans and peas are flowering.
    Fruit bushes are fattening up.
    My borage and comfrey are flowering, roses are covered in buds, random flower bulbs are popping up.

    Another couple of days and I will be putting the last of my plants out and doing a bit of weeding.

    For now, it's chocolate biscuit time 🤗
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are enjoying flowers too...


    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
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Definitely enjoying everything about my garden and wider area.

    It's raining, not heavy, but enough to give everything a good water.  I am tempted to pop out, missing the wind-down time 🙈

    So far my new job role keeps getting rejected, but the new version of other role has been approved; it will still be about 3 months before it's filled and someone starts.

    TomBo was helping on the allotment today. All SIL's veg has been planted.

    I only have a few bits left to plant out in our garden, then all my windows will be empty. They look bare now and it feels weird.

    I've dug out my coffee voucher and we are going to use that this weekend, have a little trip out somewhere. Not much else planned aside from pottering around, which will do me good.

    We're having pork chops tonight, apple strudel and cream for pudding.

    £26 in the bank, £2 is bank fee, 4 days until payday.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy pottering
    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
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you SH

    I'm looking forward to it and will try not to do too much.

    Somehow my payslip was available early and the backpay has been included. When I get paid next week I can repay the savings I borrowed in full, with a little leftover for next weekend.
    - It is tempting to send all the backpay to the mortgage though OR
    - £500 to mortgage, £200 to savings and the rest for treats.
    - Will chat with TomBo.

    Submitted utility readings, bills are a few pence over £30 for the last month. 
    Mortgage started 2020, aiming to clear 31/12/2029.
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