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Prosperous soul, mortgage neutrality & creativity Year 2

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Comments

  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Enjoy your holiday 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Don't forget about independent kitchen places, they may have more variation and be more cost effective. 

    Have a lovely holiday.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the picture.  I wondered if you were affected by floods.  Glad you are safe and doing art.  Take care.
    "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
  • lucielle
    lucielle Posts: 11,513 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got there safe and sound. Take time to decompress. 
    L
    Total 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 #124
  • Blackcats
    Blackcats Posts: 3,905 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Glad you have carved out some time for yourself.  Was a bit worried that you'd been quiet but glad to hear that you arrived safely and are finding ways to let your brain and body rest.
  • mark55man
    mark55man Posts: 8,217 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    The secret sometimes is to make things as simple as you can but no simpler.  I liked the picture and even looking again couldn't really see what you would simplify - spoke to me of brightness and beauty within a hint of gloom
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Much as I love reading your posts I'm really glad that you seem to be taking some proper time to disengage with everything aside from actually relaxing a bit and doing the things you find calming. well done! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
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  • SuperSecretSquirrel
    SuperSecretSquirrel Posts: 1,059 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 28 October 2023 at 11:08AM
    I am far from an art critic, so feel free to take or leave this, but I wonder if the problem with the picture is that it feels a little artificial? I'm guessing you started with the structure, then added the background? The upright supports conveniently framing the trees with orange leaves in the background doesn't quite ring true. Similarly the green leaved tree boughs matching the slope of the roof.

    Can't wait for you to prove without shadow of a doubt that I know absolutely nothing by posting a photo of that scene looking exactly like that 🤣🤣

    Nice to hear you're having a nice relaxing time!
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I am far from an art critic, so feel free to take or leave this, but I wonder if the problem with the picture is that it feels a little artificial? I'm guessing you started with the structure, then added the background? The upright supports conveniently framing the trees with orange leaves in the background doesn't quite ring true. Similarly the green leaved tree boughs matching the slope of the roof.

    Can't wait for you to prove without shadow of a doubt that I know absolutely nothing by posting a photo of that scene looking exactly like that 🤣🤣

    Nice to hear you're having a nice relaxing time!
    Challenge accepted. This is a picture of the progress earlier in the day and with hindsight - I should have stopped soon after this and instead carried on - I still want to have another go but didn't get around to it while I was away. As you can see my poor laptop was in a very precarious position and I doubt I could claim under any warranty for almost any of my possessions as when I get focused on art I forget the risks to other surfaces!! I can see what you mean about I could have shown the tree branches slightly covering the cupula?? on one side - and more leafless branches on the other.

    You are right in that I started with the band stand structure. It is a heritage designed park by a famous landscape architect C B so has extremely well designed tree planting - although it could be argued I should have made them yellower rather than orange. I tried to find a way to add the sky back in after having covered it up in the later version but didn't succeed. Similarly the roof itself inside was in the too difficult category and the right angle roof supports pretty complex!! The earlier version shows the supporting columns better where the later version I made the floor too dark and didn't differentiate enough between the back supports and the front in terms of colour. I also didn't capture light and shadow well enough. I gave up before adding in the leaves in the foreground. I also realised too late I hadn't quite angled the trees in the foreground correctly or the wall but figured as long as no-one saw the reference photo they'd never know ;) I think one of the issues with the painting is that I didn't allow enough sky full stop but it was impossible to add in later.



    I will give it another go at some point as I often find that on a later attempt it is easier to see what I could have improved - and easier to work out how to get past the hard bits. 
    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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