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Prosperous soul embraces creativity & mortgage neutrality

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thank you MF, jwil and Beanie

    I woke up the other day dreaming of swimming so took it as a sign. I swam 720m in an outdoor pool yesterday. I only went at the last minute - and so only got 45 minutes in the water so I was pleased. I showered there - saving my water and gas - so another MSE win. I ate far more on SW plan yesterday too - and although I went over on my sins at least I counted them. I prepared a couple of jars of overnight oats - as some of the 'pressures' on my sins come from eating too many oats and too much milk. I'm hoping that will then give me a bit more to play with later in the day if needed. I've also gone back to BOB milk when I finish my current semi-milk.

    Yesterday's main meals:
    Porridge
    Roast mackerel, lettuce, tomatoes, spring onions, half a pepper, small jacket spud and cheap coleslaw
    Beef & mushroom stir fry, extra peppers, rice noodles, oyster sauce, a tiny bit of sweet chilli sauce (it made 3 portions). Used 2 beef sizzle/thin steaks

    Pretty much the same again today other than breakfast. I won't buy rice noodles again as they are 'sinned' - I thought they'd be less than fresh egg noodles but it's not and I prefer the latter.

    Glad I only have to work today and then I'm off. My head isn't in the right space for work this week. Last week I used (all) 5 hours of flexi credit over the week as I didn't have the mental energy for a full day and was disorganised. I've already started obsessing re P1P and the process focuses very much on 'deficits' so isn't great for MH. I got to sleep late last night and woke early - but with the summer light - my physical energy levels are rising - and hopefully my 'healthy eating' is helping with that too. 

    My eyes are a little less sore than they were. I rang the GP but was referred to chemist instead - and only offered OTC solutions - so will continue with the eye wipes I already bought - but at £8.50 a pack for 20 - hope I don't need more after this box!! 

    I've put the washing on - hope to peg it out later if the weather is kind - another MSE win.
    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
  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gorgeous dress
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good news about the appointment.  Hope you manage to find someone to come with you.
    "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 McGee
  • doingitanyway
    doingitanyway Posts: 10,008 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Glad you had the swim. A swim all help with all you have to deal with  :)
    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
  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Gardens look lovely, glad you are getting out and enjoying them x
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,350 /£5,000


  • mark55man
    mark55man Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    sorry to hear about your relative with Covid - its still not gone has it, but nobody seems to care that much! which is ok until you consider there are still vulnerable people about who don't have much choice other than to try and look after themselves.  

    I still carry and use a mask occasionally but less so now, although I am much more conscious of personal space and sanitisation. 
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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