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Prosperous soul embraces creativity & mortgage neutrality

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Comments

  • MeandO
    MeandO Posts: 3,239 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Sorry to hear about the oven. I feel the same 'two steps forward, one step back' as yourself with things going wrong in life.

    Hope the new pruners helped to take out some of the broken oven frustration on the garden!
    Mortgage @ 03/2019: £125,000, Now: £51,706.16
    Mortgage OP’s: £20,691.73
    Remaining 10% OP allowance 2025: £1327.55
  • EssexHebridean
    EssexHebridean Posts: 24,437 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Is the oven definitely conclusively broken? 7 years old really doesn't seem like a good lifespan to me at all - most come with 5 year warranties these days so I can't imagine they are expected to last only another couple of years opast that point. 

    Jut keep an eye on Sh3ll in case they decide to go ahead to increase your DD anyway - as I think you know we had BB with them and they raised a charge for a non-returned router in spite of having had it back - if I'd not had the wit to cancel the DD once the service supply had finished they would have taken that money - as I'm still waiting for the refund from the overcharge at the end of the contract, I can't imagine how long we'd have been waiting to have got that bit back as well! I've no doubt they were trying it on to see if we'd notice either - as soon as I said on the chat that it had been returned, and when, it was an immediate "Oh yes, we'll get that credited". Had I NOT contacted them I suspect they would have wiped the credit we were owed but not actually bothered chasing the balance - but would still have been £22 up at our expense! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks EH for the warning on Sh311 too. Will definitely watch that. Will submit meter readings Thursday.

    @MeandO The pruning was very therapeutic. I plan to do more later.


    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
  • SandyShores
    SandyShores Posts: 1,975 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Love the artwork, great colours.

    Interesting idea boxofpaws, I don't know much about Ninja's but Halogen ovens are good too.  I had one, but let it go before we moved as I was worried about having enough space (miss it though as it kept my oven and grill nice and clean).

    I'm sure I read an article a few years ago about an actress who used to store her paperwork in the oven as she didn't ever use it.  I think her mum came to stay and set it on fire though!
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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