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Prosperous soul embraces creativity & mortgage neutrality
Comments
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Thanks EH and @beanielou
I did the PIP call so the form is on its way. Spoke to my boss about supporting my PIP and she was okay with it if needed. I will ask my cleaner and counsellor too. Other must do things becoming urgent - include filing my company accounts. I have until the 26th for that!
I got chucked out the work building an hour early - so I took as a sign to finish for the day. Will need to make up time but I have an earlier than normal start tomorrow so that will help. I stocked up at Mr As on the way home. My lounge still needs fixing after the weekend visitors - but I'm leaving that to my cleaner tomorrow. Hope she comes. I'm feeling really emotionally exhausted at the moment so being kind to myself.
I cooked a gorgeous mushroom, chicken, leek, onion and pasta today with real parmesan. Gorgeous - as a one pot meal - helped by olive oil, chicken stock, salt, garlic and a little Italian seasoning. Plenty left for another day. It was my first time making it but think it could become a regular thing on the menu.
Hope you are all doing well.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 29/7/2510 -
Tea sounds good. Hope the cleaner works her magic!LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1246 -
Well done on the pip call 🐸 and being so close to £200k 😁
The water colours are lovely, glad you are finding the time to play with art xMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,600/£5,0006 -
Well done, lots achieved, lots in progress, a plan for everything. And scrummy sounding dinnerDebt Jan 2017 = £42kMay 2022 = £15k6
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Oooh, I found your new thread, @savingholmes Yay - you are always very inspiring with your creativity! Huge pat on the back for getting the ball rolling with PIP - finger crossed it all comes together for you and really helps outLive the good life where you have been planted.
Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary7 -
The pasta dish sounds divine and may I compliment you on recognising you are low on emotional energy and being kind to yourself?5
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Thanks @Alchemilla @Elisheba @lucielle @powerspowers and @boxofpaws
Was mostly productive today. Cleaner did an amazing job and was really supportive over recent family drama too. Rung BG yet again - and they've finally let me send proof they are trying to charge me standing charge too early. It's looking like I may owe closer to £300 than £400 for the period without billing - but leaving £400 aside just in case. I've now got a direct debit set up with Sh311 and I will do one with BG. Looks like £150pcm should just about do it between them all being well until rates go up. BG say their tarriff is valid until the end of June - so it won't immediately go up when the price cap does which is a relief. I reckon if I pay full 'current' rate for both through the summer it should give me some credit for winter and lessen the impact of the price rises. I'm starting to feel a little calmer about the energy stuff now I actually have suppliers with some forecasts from them on bills. In some of their estimates though they are using what we were as a 4 person family rather than me mostly alone - so not using the elec forecast they gave - but used Jan's usage instead.
I had more pasta today with salad - and have another portion left. Been to my balance class which was good. A friend is joining me at tomorrow's class and then we're going out for a drink after which should be nice. Also have counselling tomorrow after work. Will ask counsellor to support PIP tomorrow.
I've started noting some things in my journal to mention for the pip - like I often scald or burn myself, bought a hob with a built in timer - and use it as otherwise forget and burn stuff. Put things too close to the edge and knock them over / spill them etc... Have evenly weighted cutlery and chunky cups to reduce spillages etc. I filled quite a few pages of the back of my journal with examples - so plan to keep writing stuff down as it occurs to me - and that way I'm not having to think of them all in one go. Cleaner has agreed to give a supporting statement too.
I have paid loads off my CC which gets me to below £1.4K but likely to end the month closer to £1.9-2K so not changing my signature at this point.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 29/7/257 -
Keep documenting it all Holmes! You are doing a great job.
It may be 9.30 but chicken and leek anything makes me drool. Fling in some garlic and I would eat it daily mmmmmPart time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe4 -
Thanks HM37. The pasta was really tasty - definitely worth a go.
I have finally packed up my elec blanket ready to return. Hopefully drop it at the PO tomorrow. I do have to pay postage - but they should add cost to the refund as I tested it and it is still faulty on one side. It's now a nice white colour after I washed it... So I should get £25 back plus costs which will be good.
It is really windy out tonight. Hoping my home and car stay safe. I have to go to two sites for meetings tomorrow but then coming home in the afternoon all being well.
My fuel should last much better this month - as DD is only due to be home again from around the start of March so at most I should only have to do 200 miles for her rather than 400 - 600. I'm hoping I might manage on a single tank - although at current prices that cost over £70!!
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 29/7/257 -
Oh you are tantalisingly close to that 199,999, well done5
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