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Prosperous soul, mortgage neutrality & creativity Year 2

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  • Any attempt by me to draw anything especially my face would result in a v Dali type affair .. though the painting by square box sounds fun ..Kk 

    Good on your parenting both DD & her BF ..  I also blithely sailed (& still sail) thru life but then I also have this weird safety gene that surprises me and others (even when hard clubbing I was always in control and watching out for everyone) so .. a psychic once told me I had 2 guardian angels working overtime on me - I believe it (& thank them!) It probably also has made  me a bit too cautious on this money buying house situation- 

    But sometimes sense escapes us all - plus doesn’t the research say our brains aren’t fully formed til 26! Hence the high early death rate by  accident particularly of young men 

    I am trying to not to look at BF sales .. I kept quoting Don’t buy stuff to myself 
    apart from Xmas pressies.. 
    can’t you wait til you have moved as will be sales in Jan or do you need a tv replacement now?


    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: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Lucielle, LWAP and MF
    lucielle said:
    Is the TV a want or a need?
    L
    I don't currently have a TV - I use my laptop for utube - but in the new house it would be nice to have one. There's an invite only deal for a 55" tv which sounds very big possibly too big - but it's only £150. I like the price tag but could do with finding a tape measure to see if I could cope with that size tv. I think our biggest previously was 42". I've managed without for the last 2 years since my divorce!! I felt very skint at that point and it wasn't a priority for me while I was building my EF and my AVCs. It's becoming a higher priority now - especially as I have savings.

    I'm thinking of doing a video course next year for which a separate screen would be very handy. I also watch a lot of utube - and am finding splitting my laptop screen and still having it big enough to play a game while watching is getting harder. Part of my conditions is that I need something to fidget with - and can't just watch something as it is too full on otherwise... I'm also starting to want to watch films again and it would be nice to have a better option than my laptop which is at a lower quality than whatever film media I've bought.LadyWithAPlan said:
    Any attempt by me to draw anything especially my face would result in a v Dali type affair .. though the painting by square box sounds fun ..Kk 

    I am trying to not to look at BF sales .. I kept quoting Don’t buy stuff to myself 
    apart from Xmas pressies.. 
    can’t you wait til you have moved as will be sales in Jan or do you need a tv replacement now?
    Using grids genuinely works - another option is tracing and some people even use a projector onto their easel which I would like to investigate! They use a pixelated version of a photo so that they don't get over-obsessed on tiny details and 'clean' the image up if that makes sense. Dali made a lot of money.... 

    On the BF I read a W1ch report that said 98% of stuff is as cheap or cheaper other times of year which helps - but not sure if it applies in this case. 

    MovingForwards said:
    Step away from the sales, there'll be more after you've moved and know what would really suit where in your new home.

    You've a natural talent for art, embrace it with both hands and never let it go.
    I know you are probably right on the sales but still tempted. For example I accidentally bought a course a while back for which I 'need' an 1p@d that still tempts me... I will delay that one. As referenced earlier I am contemplating an online art course that would be around £1700. Alternatively I could try their club which is more like £20 a month - so may start with the latter. I'm just using the free stuff at the moment. The more art I do - the more I want to do - but as I stopped doing art at school at 14 there's so much I was never taught. Today I did some nice pen and ink sketches from a photo while on a call to someone and coloured them in. Really pleased with them and I'm expanding my repertoire and confidence.

    Clothed model this week at art class which should also be interesting. I don't know whether it was on here or RL where someone asked if it was therefore an unclothed model next week - but no - not least because there's an under 16 in the class.  My counsellor has suggested I start researching art classes where I'm moving - far too logical!! Seriously it's in the plan just hasn't happened 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
  • KajiKita
    KajiKita Posts: 7,807 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Excellent ‘money moves’ there 😊🎉👏 Like me, you can really see when the sending stops,in your case on house dressing / sale prep, for me DIY, that the funds start coming available for savings etc. I think that shows that our base spend / money consumption is quite stable. 

    I’m getting on with my shopping too. I’ve started researching what I want to cook for myself for Christmas as well - all the shop bought stuff always looks good and then is so disappointing! 😉

    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. 
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks KK. Good luck with the Xmas cooking prep.

    My new thread is here https://forums.moneysavingexpert.com/discussion/6487381/prosperous-creative-soul-mfw-year-3#latest
    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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