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Prosperous soul, mortgage neutrality & creativity Year 2

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  • Child no 1 asked why I wasn't doing NoMowMay and I had to explain that my mother likes mowing the lawn 🤷
  • skint_spice
    skint_spice Posts: 13,436 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Child no 1 asked why I wasn't doing NoMowMay and I had to explain that my mother likes mowing the lawn 🤷
    I am hating looking at my lawn at the minute and itching to cut it, there’s much less satisfying jobs😂
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • skint_spice
    skint_spice Posts: 13,436 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 25 April 2023 at 9:41PM
    My iPhone identifies plants for me now, maybe your phone does too? If you take a photo and go back in it asks if you want to identify.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My iPhone identifies plants for me now, maybe your phone does too? If you take a photo and go back in it asks if you want to identify.
    I will try that. Maybe DD's ipad would do the same thing.
    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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    WD - It's good that even kids know about No Mow May. Should help the pollinators.

    Most of my beans have come up now. I think the soil was too dry and the house too cold while I was away.

    My elec blanket broke this week - so waiting for a new controller - so used heating more. This latest controller only lasted 6 months - but the blanket had a 2 year guarantee so they're sorting it.
    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
  • There is an app called Plant Net that identifies plants with a photo 
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks WD and EH - when it's sunny again I'll take a photo and try an app. 

    Went into work today. It was an alright day overall. Originally I was due to have to work through lunch but the meeting finished early so I went to a little outdoor van and got steak, chips, mushroom and onion and then sat outside in the sun to eat it. Bliss. 

    Cleaner has been and done a good job. DD had a driving lesson and then we had a good chat afterwards. She's at college tomorrow so I will need to be up early to give her a lift. Once she eventually passes she can drive herself... Looking forward to that. 

    I just cancelled my music subscription in time. I got it free for the last 6 months or much reduced not sure which.

    Tomorrow I'm going to try and swap back to a cheaper sim for my mobile as they've just put the price up but are showing a cheaper price online so I will ask to be put on that and if they refuse I'll swap to an even cheaper one elsewhere. I hate moving sims though so hoping it's straightforward. I got sucked into looking at newer phones but while bright and shiny is always tempting I will try and keep it a while longer yet. Judging by when I bought phone cases it's at least 3 years old but could be more. Not really sure. However, one of the options I was looking at G Pixel 6a looked like it would only cost about £7 more a month than I spend now which was tempting. My current one is an Xperia 5 I think.

    I think I may also be free to change my broadband now so will investigate that too.

    I've listened to Landlines over the last few days. Really enjoyed it. Shows the power of getting out in nature and doing more... Need to find a way of translating that into reality in my life...

    I need to decide what I'm doing about aud1bl3 as that's renewed at a monthly price and I need to decide if that's what I want or whether to stop it for a bit. I bought 3 credits while I was away and got a new one anyway this week so currently have 2 spare credits. I'm considering whether to buy the 24 pack again as an annual subscription around my birthday - and put any birthday money towards it or not. I do read and listen to a lot of books. Unfortunately my KU subscription is also about to end in a month's time. I've had 6 months for half price but it's still painful to go back to full price. I may cancel it to see if they then offer me another deal or not.

    Unfortunately my NT membership runs out / renews towards the back end of May so I need to decide what to do about that too. You normally get a better price or other offers if you cancel than if you stay loyal....

    Too much life admin although I'm happy these things are all small things. I still need to sort the big things like POA etc.
    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
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My iPhone identifies plants for me now, maybe your phone does too? If you take a photo and go back in it asks if you want to identify.
    Oh I didn't know that, thank you.  I will try it.  I normally use the 'picture this' app.
    "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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