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Prosperous soul embraces creativity & mortgage neutrality
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Love the colour combinations!Mortgage balance as of 21.7.21 - £75,766. (7 yr mortgage on 2 yr fix of 1.32%)Mortgage balance as of 20.8.22 - £58,445.08o/p 2021/2022 = £6,313/£7,500o/p so far 2022/2023 = £5,997/£5,997 Goal 1 - to be under 60k by 20.7.22✔️Goal 2 - to op 10% of mortg by 31.12.22✔️Goal 3 - to pay off mortgage by 7.1.2023 (Subject to sale of btl property)✔️Goal 4 - to pay off cc by end of Jan 2023 - £260.64/£1500Goal 5 - to pay off car loan by 31.8.23 - £1722.39/£10,0005
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Glad you are on the mend now"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 McGee4
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I love the colour combos tooMortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Your art makes me wish I could stand anything other than plain white walls - & then they wonder why my son has some issues!
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I have a one cup & find it great.
No more tting burned!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.4 -
This is another one that would make a great fabric design.
Why not send one to habitat?3 -
Thanks @Mickyh-s @badmemory jwil and GAP
Well late this afternoon I did another test - and this time came up clear. I was going stir crazy so I took a trip to Dun*1m and picked up some bargains - none of which were available online - presumably discontinued ranges. Some silver leaf pattern curtains for my bedroom £67 reduced from £135 - they are a metallic dot print and the colours change from different angles and a matching plain soft grey faux silk roman blackout blind for £13.75 reduced from £50! I'd looked at getting some made to measure from various online places but they were coming in at around £240 and I just couldn't press go! I need BIL or someone to fit the roman blind for me though - so still can't use either yet.
I also picked up some green crinkle velvet eyelet curtains and got those for £12.50 when I'd thought I was buying them full price at £25. They are for my upstairs art room. I bought one other thing but in the wrong size so will need to return that. I need a tiny cross-headed screwdriver to get the finials off to fit the green curtains - should be able to get one from either DD or next door tomorrow.
I was sweating cobs when I came back - don't know if that was from post-covid exertion or because it was warm out or what.
If I do get significant extra £ soon - I'm considering paying someone to decorate. I may start getting some quotes - and get on a waiting list - and hopefully that will give me some options. I could then focus on the thing that only I can do albeit with help from others which is declutter. I am hoping if I get bright clean spaces from newly painted walls that it will incentivise better behaviour... then I think of my study and question that. Still I have to try...
I want to list some stuff on FB this week end and see what sells.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 -
Glad that you're all clear3
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Thanks Beanie, Alchemilla and WelshmansDaughter
Alchemilla - I have been thinking that some of my recent designs are cool enough to become prints etc and wondering what market there could be. If I do end up doing that in future - I will have to go through my diary and delete piccies as I think my style is potentially distinctive. I could develop some Christian art cards fairly easily which could be a way to go. They could also equally be notebook covers. I don't know how easy it would be to get wider interest. Any other suggestions of where to try? I like your idea of putting them on clothes or tiles etc too but I have no idea how to achieve that...
I have a friend who is a printer so I may drop him an email with some example designs and see what he thinks they'd look good on and what kind of pricing it would be. I know I could potentially put stuff on redbubble.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 -
I really like those curtainsMortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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