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Prosperous soul embraces creativity & mortgage neutrality

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  • those books sound interesting. Did you finish that cookery one that Tilly used so much gastronomic economy or whatever it was called ?? Was it useful for you?

    Maybe lock her out his room and open the windows as well for a day or two? As if i sleep in a room where a cat has been I find the hair is everywhere but easier  to breathe if there is fresh air. 
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • jwil
    jwil Posts: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the bridge worked out well.  All sounding productive otherwise :)
    "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
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    those books sound interesting. Did you finish that cookery one that Tilly used so much gastronomic economy or whatever it was called ?? Was it useful for you?

    Maybe lock her out his room and open the windows as well for a day or two? As if i sleep in a room where a cat has been I find the hair is everywhere but easier  to breathe if there is fresh air. 
    I didn't bother with the cookery book - it was too dirty to read and I never got around to sending it back. Really disappointed though. 

    I went in DS's room and DD had dumped loads of crap in there. So the first step was getting her to remove it. I need to go back and check how far she got and then strip the bed.

    I checked with HR and my AVCs are being taken so it's due to be an 'ouch' month/6 months if I sustain it. If all goes well including tax relief £375 should go into my AVCs this month. Plus I'll have my annual leave deduction. But a little of the future pain could be offset by the NI change when it comes in November if they haven't u turned again by then! I'm also awaiting the annual pay award which if the TUs accept it may come Dec at the earliest...  

    I may switch my FD acct just to get some free £. Although FD has a nice reg saver - B now tops it so could move those savings into there and not lose much. I may also set up an extra account with B and move a couple of direct debits so I can switch that too. 

    You're right re cat hair. If I'd known he was coming earlier I'd have got the cleaner to sort his room last week.

    jwil said:
    Glad the bridge worked out well.  All sounding productive otherwise :)
    Thanks. I've ducked out of going to SW. I put 4lb on last week and while I may have maintained this week certainly haven't lost. Saved me a fiver. I want to see if I can make myself stick to plan this week. If I do - I may buy another countdown - if not - there's little point.

    I really liked one of my paintings yesterday - pre taking the tape off - but removing the tape ruined it. I'm therefore going to have a go at creating a new painting tonight without any tapes and see how I go on. I will share a different one I did like though... 
    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
  • Beautiful art work! 
  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Love the 'pre tape removal' artwork... I'd buy that!  XX
    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
  • jwil
    jwil Posts: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Paintings are lovely as ever :)
    "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
  • Chrystal said:
    Love the 'pre tape removal' artwork... I'd buy that!  XX
    Yes me too!
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    It's a lot easier to forgive, doesn't mean you forget, but also means there's no burden of it weighing you down. I saw first hand how a lifetime of bitterness bred contempt, unhappiness and solitude.

    Hope DD has reclaimed her abandoned deposits from DS's room.

    Future you will be grateful for the AVCs, even if current you is unsure.
    Mortgage started 2020, aiming to clear 31/12/2029.
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