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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Well done on painting. You have done really well to get it done in the heat but ceilings and keeping arms up for long periods of time will be a killer. You need help with that.
Enjoy your Sunday.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) 25/0720253 -
Just catching up on your diary...great news about the PIP award. Glad the graduation went well. The watch looks really clever...shows how stress can affect your body.
Have a good Sunday🙂.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 173 -
Thanks DIA and HSL
I didn't do any more painting last night. I slept in / rested today until 11.30!! Must have needed it. My new watch approvesI will do paint touch ups today on the walls and coving - and then hopefully paint at least the corner of the woodwork so I can put the chest of drawers back. I must have bought the right kind of painters tape this time as I have crisp lines where I've started to pull them off.
It's raining here today but the garden will love that and I'm on a meter. I need to do my washing but may dry some stuff on hangers.
I've thought of another job for the handyman - re-cementing the tops onto my garden wall. They've been off, stacked up next to the house for years as they were loose and kids like to walk on them so that didn't feel safe. It will be great to get them sorted. It would also release the path next to the house for you know - actual walking. It's amazing sometimes the things we live with that aren't huge jobs. I asked about an extra slate path - but I'd need to know how much the stairs was before committing. I'll ask the pensions person on Monday whether they 'catch' up the missing AVCs due to delay or not. If not, I'll have extra £ free to do jobs which will be nice too. I have so many jobs 'stored up' because I got fed up of being the one doing everything while I was still married. Now I wish I'd just cracked on - even if it meant hiring someone. Could have saved a lot of pent up frustration.
I struggle to let things go but I need get in a cycle of listing things on FB and if they don't go in a week or two putting them on 0Li0 instead. I like stuff to go to a 'good home' and not be wasted - so it at least deals with that. While I like supporting charities - I sometimes feel they over-price where 0li0 potentially gets things to people who need them. Will report back how I get on. Anything leaving my house feels a victory!
I'll ask my cleaner to empty the under-stairs cupboard when she comes. It's full but most of it could be binned or given away. The workmen will need to get to that to fix my stairs. Once that's resolved my Dys-n should fit back in the slot instead of being left out on the landing so win:win. It has 4 plastic drawers in there too - but they're rarely used as so hard to get to so may move them elsewhere.
Hope you're all having a great weekend. I still have half a veg carvery left...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 -
I always thought of charity shops as being places where people could get things for reasonable prices but I think that has changed. I suppose they think of themselves as fundraising rather than being a place where people can afford furniture 🤷
It's so frustrating waiting for things but it sounds like you're making your way down the list!4 -
Great progress @savingholmes! Keep the momentum going - makes you feel great doesn't it!? Enjoy your carvery and the rest of your 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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@savingholmes I love that expression 'sweating cobs'; is it perhaps a Midlands thing as I grew up there and have never heard it anywhere else? It's all coming together wonderfully well; onwards and upwards love Humdinger xx3
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In awe of how you get things doneI 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.3 -
@Mickeyh-s @Humdinger1 and Beanie Thanks for the encouragement.
We've returned a corner of my room to how it should be. I was hoping that the opposite corner was also done but when I pulled off the so-called low tack tape the blue paint came with it down to the board underneath!! So I have a strip to do again. Most of the woodwork still needs doing. But all the white bits of the wall are about done. The chest of drawers is back where it belongs and my bedside table - and I have hoovered a little. I ran out of the room after a mozzie landed on my face!!
To keep the surfaces clear I should remove the chair and footstool so there's nothing for stuff to collect on... but that feels radical. Will let you know if I succeed in making myself do it. I also have an 8 cube unit that I want to go in my future art room as most of it relates to art... However we've emptied stuff in to that room quite haphazardly over the last few days - and it would probably be better to wait until that's room is also redecorated before moving things permanently. I also don't want to over-cram that room - and TBF my bedroom is spacious (without the clutter) where the new art room is relatively small.
I know this will sound weird but I've never used my chest of drawers for clothes - but may finally do so! I could then repurpose my wire basket drawers. However, I'm not sure where I'd then put them. First things first: to go to bed - I need to clear it again. Anything more will have to wait.
I'm loving the new 'look' though - a very restful colour scheme. The new grey curtains and blind look amazing against the white. I still hate my (dirty pink flecked) carpet - but it doesn't jar on me as much as it did combined with the previous curtains. I am enjoying putting more of my stamp on my home. It's been over a year since I decided I want a divorce and started the process - but finding out that Ex has been dating for months - has reinforced I'm now divorced and free to make my own choices.
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 -
Back to diy goals
- If I gradually empty the wire baskets into my chest of drawers that would be result. I may book a half day off soon on a day when my cleaner's here so she can help me while I still have the motivation to get it done.
- Finish painting my bedroom - likely to take a while yet.
- Redecorate my new art room to be.
- Perhaps buy a roman blind for in there too.I may try and return the curtains I bought for that room as I've gone off them already!! I've not hung them yet. I got them as they were a bargain as £12.50 but that's not really a good enough reason.
Ideally I'd like my handyman to do:- Fix stairs
- Take down 2 glass shelves
- Hang mirror
- Nail on felt strip on shed roof where it's missing
- Dig out bamboo
- Do new slate path
- Either re-lay paving slabs where they got taken up or replace with slate
- Take down tree
- Put together arbour if I buy it
I never did the tax thing - so must do tomorrow. Will try ringing them again.
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 -
@savingholmes please can you explain 'commando sockets'? Do they dispense with underwear?! What an impressive list but no change there....love Humdinger xx4
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