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Prosperous soul embraces creativity & mortgage neutrality

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Comments

  • mark55man
    mark55man Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    beanielou said:
    mark55man said:
    My OH says it's Mackie's that is the best - is that going to cause a problem on here :smiley:

    It may well do  :lol:
    Ice cream wars!!

    Sorry about your DD SH - I'm scared to cycle and I'm all grown up
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    The handmade ice cream I get is the best!

    Hope DD is ok and gets back in the saddle.

    Do a token gift, it's the thought that counts.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Mark. Beanie, MF and Blacats.

    I've had a blowout day on food budget and calories wise... But hey... 

    I am looking forward to the weekend but worried about tomorrow's socialising. I have however followed MF's advice and I bought a beautiful white double stem orchid as a gift.

    Had quite a busy week with work. Lots to catch up on still tomorrow.
    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
  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sounds lovely. With the work needed to get the pound and waterfall useable again I would not skimp on the liner. Ask him what he wants for his mums she can’t really use it can she. 

    Having a useable garden is so worth it and once it’s manageable you can keep on top of it yourself plus it’s good exercise.  
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • Hope dd has recovered from the shock and bike is ok
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Do work not offer 365 as a benefit? It's the route I'm going down when mine expires. I also don't pay for virus / malware.

    Orchard sounds perfect! 

    You're garden is coming together too, a bit of relaxing paradise.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Sorry to hear about your DD, such a fright and a worry. Hope she is okay.

    In my experience, you can treat aquilegia very roughly and they don't mind at all.
    • Mortgage over-payments to date: = £16,746
    • Original redemption date: August 2043
    • Current redemption date: July 2041
    • Debt: £15,930
    • Savings: £12,430
  • jwil
    jwil Posts: 22,031 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We can get 365 through work as well.  I don't pay for anti virus, there's loads of good free ones out there.
    "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
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