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Prosperous soul embraces creativity & mortgage neutrality

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  • Viking_mfw
    Viking_mfw Posts: 728 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    Fabulous garden bench. Very jealous!
  • jwil
    jwil Posts: 22,061 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the arbour, it looks great!

    Well done on SW as well :)
    "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
  • greent
    greent Posts: 10,787 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The arbour looks great - well worth that £20 to get it done! 😀 
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    It's all very well (and important) saving for the future but not to the detriment of life right now.  I'm glad you're going to do things that you can enjoy now.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • L9XSS
    L9XSS Posts: 438 Forumite
    Third Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    Great use of garden space, your arbour looks lovely. Getting your home comfortable and perfect for yourself gives a real sense of satisfaction. Another thing to tick off the list.
  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 23 August 2022 at 4:00PM
    Thanks Viking, greent and Jwil

    Just ate lunch in my new arbour. It's lovely. What I am realising is paying for help is cheaper than I expect but can cross things off the too difficult list and save me a lot of angst.

    My garden could be transformed with a day or two's hard labour from someone else. It would take me far longer. Similarly for other parts of the house. I will need to scale back pension and savings plans but it will be worth it to have more usable and visually pleasing spaces.

    Undoing years of neglect of house and garden feels more doable. I don't have to do it all on my own. I can pay for help. 

    That's kind of exciting and a breakthrough. A huge benefit of being DF other than the mortgage.
    Your arbour looks lovely and getting it erected for £20 is an absolute bargain!
    Totally agree that paying for help in the house and garden would be a godsend.   It will lift an enormous weight of your shoulders, massively improving your MH, and the pleasure of having it done the way you want it to be will be ongoing.  I envy you being able to find handymen who will do the work.... rarer than hens teeth where I live. :(
    Fab news about the energy advisor, I haven't heard of that service before.  Wonder if it's area related?  Keeping my fingers crossed that you can get the FF replaced.
    Great weight loss... well done you.  (((hugs))) XXX
    No idea why the abreviation for Fridge freezers was 'bleeped'!  I've removed the 's' to see if that makes a difference. LOL
    I 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 unhappy
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's all very well (and important) saving for the future but not to the detriment of life right now.  I'm glad you're going to do things that you can enjoy now.
    It's taken me a long time - but finally learning this life lesson. My counsellor will be very happy to hear my progress when I see her Thursday. Finished work early today as lost all concentration.
    L9XSS said:
    Great use of garden space, your arbour looks lovely. Getting your home comfortable and perfect for yourself gives a real sense of satisfaction. Another thing to tick off the list.
    I just want to get to the point where every time I look around my home or garden there isn't a huge list of tasks (weeds etc) staring at me. I always assumed it was too expensive to get help - and my priority since the end of 2016 has been debt clearance...  I've spent too much of my life waiting for family to help and when that wasn't forthcoming - struggling alone. Our relationship would have been a lot better if we'd paid for more help along the way.
    Chrystal said:
    Your arbour looks lovely and getting it erected for £20 is an absolute bargain! (I couldn't believe it - he had to pre-drill the holes and everything as they were missing. DD had to help him hold the things in place but still. Bargain.)
    Totally agree that paying for help in the house and garden would be a godsend.   It will lift an enormous weight of your shoulders, massively improving your MH, and the pleasure of having it done the way you want it to be will be ongoing.  I envy you being able to find handymen who will do the work.... rarer than hens teeth where I live. :(
    Fab news about the energy advisor, I haven't heard of that service before.  Wonder if it's area related?  Keeping my fingers crossed that you can get the FF replaced.
    Great weight loss... well done you.  (((hugs))) XXX
    No idea why the abreviation for Fridge freezers was 'bleeped'!  I've removed the 's' to see if that makes a difference. LOL
    The guy who came yesterday could tell we used to have a pond and he'd be excited to replace it and get it up and running again. I'd need to weigh up the cost of that before committing but the pond and small waterfall feature and rill with recirculating water was pretty originally. I've said see what you can get done in a day on the garden and then we'll review. He's going to replace the felt on the shed and reconnect my extractor fan in the kitchen to the white concertina thing (I can't reach). He's going to re-board the decking bridge over the rill... Dig out bamboo. Clear weeds. It's exciting! He'll also take away the logs and other stuff BIL cut down to burn in his Dad's fire. Just need him to come back when he said he would now.

    Crystal - if you have a disability (and get P1p) - you can ask to be put on the priority services register - it was through that I got referred. It is area specific but I imagine there are others nationally. I needed to be on some kind of benefits to qualify. I shared it in case it helped others. Good luck with finding help. I asked friends for recommendations so that's how he came. I still need someone for my stairs but that one saying I'm unlikely to fall through was reassuring.
    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
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