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Holding On and Letting Go 🎈

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  • Sounds like great progress as always. You sound like you are reclaiming your life nicely. Is your art nook re-established now?

    Thanks SH.  Life certainly feels a lot calmer now.  Yes - art nook well and truly established now.  I used it to do all the Show stuff and it's working well.

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Yesterday was at the beach - but today was home and it was 33 degrees so pretty hot hot hot.

    Looking forward to some rain!

    Hope you are doing well overall.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Your redcurrant and white chocolate  ice cream sounds amazing!! Your recipe links are great as well - sadly it seems pulses dont agree with me as I love them for their cheapness, versatility and nutrition

    I also did Latin at O level, I got a grade A and it has been very useful for making up words when trying to communicate in languages I dont speak especially  in Italian. 
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Definitely worth looking for beaches with few people. I don't go/stay at the busy ones they are far too overwhelming.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Cool 😎

    The heatwave has broken and it's pleasantly cool in the Shire.  We've had some gentle rain but have escaped any deluges or flooding so far.

    The drop in temperature has made a huge difference to my energy levels and I'm back to being productive:

    Health:
    • I've exercised every day this week 🥳  Two dance fitness sessions and one yoga practice.  Plus a dog walk 😇
    • Chores are going to plan and I've been catching up on washing and ironing.
    Wealth:
    •  Meals are being planned around what we have in the veg patch although I can see growth is slowing so produce will start to diminish soon
    • the grocery shop was over budget this week.  However, that's because the DS's are visiting this weekend so some of those costs can be met from the Entertainment budget
    • DS2 will be bringing down the car we bought for the Sunflowers to use.  They don't need it now of course but Mr F's company car is up for renewal at the end of this year and we're thinking he could use the Sunflowers' car and take a car allowance instead.  That could save us several hundred a month so it's worth thinking about
    • I'm afraid Fencing Man has not replied to the email I sent him 9 days ago so I've sent a final reminder
    • we have a Solar man coming on Thursday to talk to us about solar panels.
    Happiness:
    • I went out with our WI's walking group on Monday.  We had a gentle stroll around our local park which is beautiful and then visited our town's deli for lunch.  Some of us went to the book shop afterwards and I got carried away and bought 5 books 😲  4 titles that have been on my reading list for a while and 1 as a present for Mr F.  Should keep me going until Christmas 😆 All costs to be met from personal spends
    • I've signed up for another WI event in October - an acrylic painting workshop.
    Anyone with advice about solar panels - I'd love to hear from you.  It seems like a sensible way to go in the current climate but it's such a big investment I'm a bit nervous about it.

    Happy Hump Day all

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Spooky!!!!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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