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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Glad the graduation went well.
The plant is lovely, and well done on returning the items."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 McGee2 -
I think the plant is a star jasmine (though I could be wrong
) Jasmine have a lovely scent. I miss the smell of flowers since my sense of smell disappeared about 3 years ago!
You're doing really well SH, and I think you need to give yourself some leeway. It seems natural to me that after many years of feeling constrained that you would splash out when you finally felt free. It's a phase that will pass once you realise that your life and your money are yours to do with as you wish.I also think that DD needs to realise that 'favours' are a 2 way street. You lent her money and she was supposed to paint the wall. She hasn't finished it, meaning you'll have to finish it yourself, but she still wants you to give her lifts... hardly fair in my eyes.Hope the stairs are a reasonably easy job. (((hugs))) XXI Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy4 -
Beautiful flowers on that plant.
Can you get your meds in a blister pack? That is seriously useful.
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Thanks Jwil - as you know I struggle returning things - so yes a victory.
Thanks Chrystal - the posh name is Stephanotis - but you're right about the scent and it does seem to be part of the jasmine family. Sorry you lost your sense of smell that must be frustrating.Chrystal said:You're doing really well SH, and I think you need to give yourself some leeway. It seems natural to me that after many years of feeling constrained that you would splash out when you finally felt free. It's a phase that will pass once you realise that your life and your money are yours to do with as you wish.Hope the stairs are a reasonably easy job. (((hugs))) XX
I prompted DD - and she's (just) started painting again... Not going to bed any time soon thenBut will be glad when it's done. Tomorrow my new grey roman blind goes up and my pretty new grey (glittery) leaf curtains. Excited about that. Her painting is knocking £10 an hour off her holiday bill.
Thanks WelshmansDaughter - All my meds are blister packs. I sometimes set them free across the floor when I pop them out though as I use too much pressure! Still the blister pack reduces the number I lose that way. I struggle to open safety caps at all so it is still an improvement.
I bought a load of 50p bedding plants a few weeks ago and all my geraniums have now come into flower. They look stunning too - reds, whites and pinks. I still have some left to plant - and a few begonias. Will aim to get on to that at the weekend.
I thought Ex had taken the hedge trimmers when he left but I found them in the garage this week. I think he intended to but forgot. I may see if DD will trim the short hedge along the drive for me too. She's very money motivated. She may not go on the second holiday and just do one. Sounds a bit more manageable financially for her - so I'm pleased she's come to that decision on her own - although she could change her mind again yet.
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 29/7/256 -
Lots of nice plans there SH, glad you're prioritising some nice things for yourself in there tooDFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4 -
Enjoy your new blind and curtains! Hope you get good news about the stairs too."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 McGee2
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Thanks both.
I prefer that wall white - so we need to carry on with the painting this weekend. I have a blue contrasting wall already which I'll keep and one wall is mainly doors - so from a wall painting point of view it's not a huge job. Painting the woodwork feels big though. Still bits to touch up this morning before I start work - like the window recess. I tried to tell my body to get up at 8 to do it but it was having none of it. Not a huge amount to do though so should be fine. Need to hurry up though - to make sure it's dry before the tradesman comes around 1ish. I was able to 'shop from home' for the paint, rollers and brushes which is good.
The biggest obstacle to starting was moving everything out the way as I had a couple of feet of stuff that didn't really belong in there lining the window - as well as stuff on top of my chest of drawers. DD moved that for me. I'm hoping to use the momentum to continue decluttering in there - and only put back what should stay. Sadly all the surplus got dumped in my future art room - so has delayed that project. I'm hoping though if I get my bedroom more how I want it - it will motivate me to continue sorting stuff out around the house - particularly if I also get help from DD and/or tradespeople.
Having put a little weigh back on earlier in the week - I'm glad to say I'm losing it again now and getting back on track. With the graduation etc I was forced to be more active than normal which helped.
It's rained here which will help the garden. Have a good day where you are.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 29/7/257 -
Sounds as if things are slowly moving in the right direction for you @savingholmes. Even if you re-read your diary from a few months ago there seems to be a lot of progress. Have a good weekend.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/£10,0003
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It's normal to spend when coming into money after having none, but you're recognising it's not the way to carry on when there's bigger goals you want.
Your rooms will look so different later, providing lifted spirits as we enter the weekend.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Just dropping in to say hi SH. I haven't read the almost 600 posts since I was last online, but you're sounding brighter and like you're getting loads done - love the sound of the garden!Debt at LBM (Dec 2018): £23,167
Debt free Feb 20214
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