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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Thank you Beanie MF and EH @Four_Seasons
Thankfully despite a blow out food wise I still lost weight today. Hopefully my first weigh in will still be good on Monday.
My laptop charger broke last night. So had to buy another. It was insured however as I frequently break them so hopefully they will repair or replace or send gift card.
I am debating whether to go to my fave garden or whether to do something more local like the park or swimming. My eyes are still playing up though and I wonder if I would be better going next week or if it would be too busy... Will see how I feel in a whileAchieve 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 29/7/254 -
Gorgeous dress 😍 so pleased you had a lovely evening, hope you have a great weekend x2
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The dress looks lovely! 😍DNF: £708.92/£1000
JSF: £708.58/£1000
Winter season grocery budget: £600.85/£900
Weight loss challenge 2024: 11/24lbs
1st quarter start:9st 13.1lb
2nd quarter start:9st 9.2 lb
3rd quarter start: 9st 6.8 lb
4th quarter start: 9st 10.2 lb
End weight: 8st 13lb
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'3 -
Thanks Dancing and @leftatthetrafficlights
Well just been with DD to sell her car to WBAC - £350 after their £50 admin fee - but £ now in her account. She'll have to cancel her car insurance and breakdown cover next week - but hopefully will get a chunk refunded. The 12 months tax she paid - she should get 10 months back in 2 weeks so getting there. Hopefully she will still end up in profit.
My laptop cable has arrived - it broke half way through a film last night!! The insurance co have sent me an email with info they want from me - so I'll do that at some point.
The rest of the weekend - I hope to plant some bedding plants in my pots in the back garden and refresh some of the compost. May do some more weeding. I also want to make some art. If the weather is nice tomorrow I may book an outdoor swim perhaps with DD.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 29/7/255 -
What a lovely dress!"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 McGee1
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Lovely stylish dress @savingholmesFashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family4 -
Thanks @jwil and @Baileys_Babe
Last night I found out I'd paid stupid tax as @mark55man calls it - I'd not closed down my company or changed the registered office address and they want to charge me £100 for forwarding my mail again. They didn't send me a reminder though - so on Monday - I will see if I can amend my addresses online and get my £ back. I will also try and close down the company and at least prevent future bills. I was gutted and tried not to rant at myself - but got to sleep really late as a result and woke early too.
The bedding plants I planted the other day are settling in. I still need to plant some in pots around the back. Because my eyes are so itchy I'm wary of doing anything that will make them worse. If they are still bad I will ring the GP tomorrow.
All being well I'm down to my last 3 x 100 mile round trips for DD. Tuesday, a week on Monday and then some time in July. Then my fuel budget should be mostly mine again - but DD will be home 7 days a week so I am a little worried what that will do to energy and water usage and other things. Will see how it goes. I have asked her for £100 extra a month from June pay day but don't know whether she'll pay up or how hard to push. We have a delicate relationship as it is. She just pays 25% CT and her food currently. She has repaid the £100 loan I made her earlier this month from yesterday's car £.
In June payday I'm due to have my counsellor appt 3 x the ways it falls - so may try and shift the last one back a week. However with DD being home more - I may need extra support as we both adjust. DD's looking forward to it - as she loves her own room.
I could do with finding some things to sell again ready for next week's long weekend. Still not heard from PE or P1P. I'm leaning towards taking the BG fix - so I at least know where I stand on elec. Ironically if all the govt grant goes to elec - I think that direct debit will end up dropping or I'll need to cash some out to pay my gas which is held by Sh3ll. It will balance out. I still haven't had my new pay confirmed in writing - the final person hasn't signed it off yet. I need to start thinking about what additional holidays I'd like - and when I'd next like to go away - and for how long - and ideally get it booked.
I've not exactly been on SW plan yesterday so need to do better today. It's first weigh in tomorrow. Hopefully if I do some exercise that will help. It was warm yesterday but is due to be relatively cool here today. I've joined NT - and booked to go to my fave garden Thursday. May also go to one today - but thinking of getting an early lunch first. I've found a play I'd like to go and see at a local-ish NT place in August - so will see if anyone wants to go with me and get that booked in. I need some calendar markers in again of things to look forward to. I'm hoping to use NT to help with that - and plan in visits to various gardens - and perhaps book the odd overnight stay nearby for ones further afield.
I also want to plan for going to my fave forest beach. I need to find the air pump as I like to take a large ring - so I can float a bit even if in the shallows - not out of my depth obviously. Don't know if Ex left it but he was really disorganised when he left so hopefully. He claims he left a multi-meter but we've not found it - although the garage is rather rammed with stuff currently so not a total surprise. I need to actually take some stuff to charity - as well as selling and tipping stuff.
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 29/7/255 -
Don't be so hard on yourself over the business, I did something similar and had to pay a lot more in NI as I couldn't see a way to get out of it on the form, unlike when I submitted it the year before. I quickly cancelled everything after that!
Have you got antiH or drops from the chemist, as pollen and grass flower things are popping up everywhere.
A small bike pump is cheap and doesn't take much space, be a mini arm work out too.
The NT trips are going to do you a world of good, exercise, seeing new things, going to new places and getting fresh air.
Plans are getting bigger, better and more positive with each update.Mortgage started 2020, aiming to clear 31/12/2029.3 -
badmemory said:You won't find the number on the website because it isn't there, they wouldn't want people to contact them would they? It is on the bills though. 0333 202 9802. Good luck!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park3 -
The dress is beautiful Savings. No doubt, you looked fantastic!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park4
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