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Prosperous soul embraces creativity & mortgage neutrality

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  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Orangetoes , Ladywithaplan , Chrystal, Jwil and MF

    Anytime you are interested in buying or seeing my other artwork - PM me... The tapes one at the top looks a lot different without the tapes - so I may try and recreate it / do something similar.

    Feel like this week has been quite 'life admin' focused. I nipped into work for my flu jab. I treated myself to a meal out at a posh, quiet pub on the way home and just took an hour for myself. It was lovely. 

    A wider family member thinks I'm super weird for not having the heating on yet... I pointed out apparently only 5% of population has heating on before around the end of October! This person was convinced it would invalidate my insurance!!

    I did another washing load and used the TD for most of it today as I didn't think blankets would dry well on the line. I did hang up a couple of dresses to drip dry and even in my so-called cold house they dried quite quickly.

    I now need to make DS's bed and then put the rest of the washing away. I want to make his room more attractive - as DD/Cleaner have put a load of charity bags in there which doesn't look or feel very welcoming. Even if I just move them out for 24 hours it would be nicer for him. He gets here about 11pm today so I'd best not take too long! Need to improve the state of the kitchen too.

    Early next week I hope to start a new bank switch... Looks like I can't get the £200 one - but even a £150 would be fab. Just want a direct debit to go out first and to have done the pay day money shuffle. 

    Waiting on tenterhooks for my payslip to see what the impact of the new deductions will be on my pay. Should be worth it long term.
    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
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ironically after that DD came down (with no trousers on just a long hoodie and shorts and said she was freezing. Her hands were cold and she does get eczema so compromised and put it on for an hour. I have to submit my gas reading shortly so will soon see how much heating costs... 

    My front room is 15 - and isn't shifting 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 29/7/25
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Remember you can choose the bank switch date  :)

    My heating is now on in the evening.
    My muscles seize up when I am too cold.
    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.
  • WelshKitty85
    WelshKitty85 Posts: 1,439 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Just catching up again and I’m another one who loves your pre tape removal art. Are you actively marketing your artwork anywhere?
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your time with your DS  :)
    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.
  • badmemory
    badmemory Posts: 9,715 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I hope your time with DS goes well
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just catching up again and I’m another one who loves your pre tape removal art. Are you actively marketing your artwork anywhere?
    Not currently 
    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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