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Prosperous soul embraces creativity & mortgage neutrality
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Hi SH, I use to use Etsy too and did very well on it, but as WelshKitty said I found the fees went up and up and I had huge problems with plagiarism on there. Some chinese based wholesalers started stealing my photos and copying my designs, absolutely brazenly! Etsy did nothing about it and didn’t want to know, in the end, I closed my business down because I couldn’t compete with the wholesalers. Just make sure, if you do list on etsy, that your photographs are watermarked so that no one can copy them or just print a picture of you artwork and frame it. XxMortgage @ 03/2019: £125,000, Now: £51,706.16
Mortgage OP’s: £20,691.73
Remaining 10% OP allowance 2025: £1327.557 -
Thanks Mark for the PIP links and @WelshKitty85 and @MeandO for the £tsy advice. Where would you advise selling instead?
My cleaner has done her statement and signed it for me today. I need to get my boss to do one and may ask my sis to do one. I'm seeing my boss early next week face-to-face but would need to make a special trip to see sis if I need her to physically sign something. Presumably she could send me a photo of a signed doc though.
My cleaner is currently here transforming the house. She's a good prompt for me each week to unpack and pack the dishwasher too - so that got done today.
No new £ news - I'm still waiting for PE to get in touch. I live in hope that they don't get around to it and write it off but have ringfenced some £ in case I'm not that lucky. My first payment to SE has gone out. It's on an account I plan to switch at some point. I still need to set up a direct debit for BG but given it still isn't letting me use the online service I'm not holding my breath. I refuse to ring yet again. Will try their online chat function and see if that gets me anywhere.
Ideally I need to set up separate breakdown insurance - then I could stop my packaged bank account and switch it - effectively saving money and getting £. Focusing on PIP for now though - that is taking a lot of energy.
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 29/7/259 -
So PIP like evidence from the professionals and people engaged in supporting you. so that's good. It helps if they can use the terminology of the assessment, either the actual criteria or assessment approach - eg safely reliably etcI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
Definatly evidence from professionals in support of your claim that support your diagnosis.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.7 -
Thanks Mark and Beanie
I have a detailed report from when I was diagnosed with ASD and dyspraxia which I printed ready to send. It mentions difficulties with social interaction, organisation, eating, moving around, insomnia, mentions adhd symptoms etc. It should help. I'm seeing my counsellor tomorrow - so will ask her to write something too. I still need to speak to my GP. Tomorrow I am seeing my counsellor so will ask her to write something to support my application. I still need to look what else I have and see if I can find a copy of my repeat prescription slip anywhere. It's not straightforward as I get my prescription sent electronically to Mr As and never touch it so not sure what I have.
I found my balance class hard tonight but that could be because I didn't eat until I got back. I'd been too focused on work and not left myself enough time.
DD is back - but she was on a call - so will go up and see her next... I have to take her to the train station bright and early tomorrow.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 29/7/259 -
Your surgery will be able to give you a copy of the repeat prescription.
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.7 -
Well done SH, the pip process is gruelling but you’re doing really wellMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,600/£5,0005 -
If you've got the NHS app (not the covid one) you can see your medications on there. You can also see your medical record so it might help if you need dates etc."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 McGee7
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Doing well over here. The form filling sounds A LOT. Good luck with it.5
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Thanks @beanielou @powerpowers @Alchemilla @jwil I need to ring the surgery and get my password again for the app...
Had a really busy time 3/4 day at work, followed by a counselling appointment, a few hours off, a nap and then balance class.
I have found my repeat prescription slip - Mr A must put it in the packet as it's within date which is good. My counsellor has agreed to write a supporting statement. Tomorrow I will ring my GP and see if I get anywhere with that - including getting an ADHD referral, blood test and bringing them up to date on my conditions. May ask for a sleep clinic referral too. Will ask them what reports they've got about one of my older conditions. It truly is exhausting to try and deal with. Nearly at the point where I can send a first draft to an advisor - and hopefully get some advice. May still ask Sis for a supporting statement. So much to do but supporting evidence can follow if need be.
I was hoping to only do the 100 mile round trip for DD once in March - but it looks like it might boomerang its way back to me. Even if it does I'm hoping to last on my current 3/4 fuel tank until mid month payday. If I'm lucky may be able to take her part way and get Ex to do the rest - or my preference - I take her Sunday night to where Ex is and get him to take her the rest of the way the following morning. TBF he brought her back on a 100 mile trip yesterday. He's currently refusing to speak to me or answer my texts about DD though which is making things harder. It's only about 50 miles round trip from where he is though - so it would halve my burden. Her needs are such I think she might qualify for the mobility element if she did her own PIP form... so trying to have some sympathy for her. She is doing really well holding down her job and coping with everything new but it exhausts her. But just getting up early to take her to the train station I had to have a nap this afternoon. I don't cope well with early starts - especially with the meds I'm on. No easy answers.
Trying to ignore the news although that is playing on my mind too. Can't control or influence that though so trying to resist obsessing over it.
I made chicken, mushroom, leek and onion pasta again yesterday - with parmesan. Got a couple more portions left. DD bought Chinese today so I had some and paid my share. Planning to go into work for a bit tomorrow - that way DD will get the house to herself for a bit which will probably do her good too. I would get some face-to-face social which is good for me too.
Holding onto the thought of HP World in May... as something to look forward to. If I don't go somewhere this weekend - it would be good to do some art. I haven't done any for about a week!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 29/7/2511
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