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Prosperous soul, mortgage neutrality & creativity Year 2

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  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,811 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Love cottage garden style planting, just so beautiful. Enjoying the peace and beauty of dusk is a spring and summer treat that feeds and calms the soul. Love the end of day cuppa in the garden…somehow makes it clearer to think.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • WelshmansDaughter
    WelshmansDaughter Posts: 1,674 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Sounds lovely. The pics are too 😀 you have a little country peace and the conveniences of town 
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Thanks Beanie. You are doing well. I am pretty far into the 40s when it comes to BMI so not great at all.

    I nipped to Mr A on the way home and got my prescription. I also spent a £2 voucher on two packs of clementines.

    I need to work out when I'm next planning a chunk of time off. I want to try and spread it more evenly through the year this time although I feel so tired despite my break and despite the bank holidays that I really want to have lots now! I find it can be so 'dead' at work during school holidays its hard to achieve things as you need others to have input etc.

    I still need to answer Sunday's letter so I can get an appointment to start meds. I'll have my tea first and then hopefully have a stab at it.

    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 29/7/25
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Unles you are a middle aged, white European male BMI (pretty sure neither of you are at least one of those things!) doesn't really relate to you anyway - a good example of a thing that was only ever intended to be used on a population scale being incorrectly used on a personal level! 😁

    Good plan to try to spread time off throughout the year SH - I'm finding that since the Pandemic I'm finding I get "jaded" far more quickly - and there are even times now when my 4 day week can feel a bit too "peopley" - that applies even more during the summer months when I'm often doing quite people-intensive stuff in my spare time too. I'm certainly enjoying these few weeks of lots of short weeks!

    🎉 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
    she/her
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks EH - i don't think there is any doubt in my case that serious action is needed. Yet I still struggle to take it.

    Had an okay time in the office today. Had a really nice chat with a fellow divorcee which helped me see how far I've come in a short time. She got divorced around the same time as me.

    Today my cleaner came. Feel very lucky to have the support. My handyman also came and has spray painted about 6 fence panels, cut back some bushes with proper hedge trimmers, got rid of the weeds at the front of the house for me and moved the new compost around the back. I forgot to get him to move my bark for me from the car but all being well he's coming back next week. I need to find another £100... and do a money shuffle. I'm going to return something to Amazon that I spent £27 on which will help.

    DD had a look at the oven but couldn't find any obvious loose wires so wants me to get a professional in. Hopefully will resolve that tomorrow. That's likely to cost me a minimum of £60 call out. I need to find the part I bought last year before I ring. I'll put it on a CC for now as I don't want to take money from savings. I get paid mid month. I could just about cover both from the monthly remaining float - but would rather keep the cash.

    I didn't get to the Opticians today so that's on the list for tomorrow now. 

    I still need to reply to the adhd person with some info. They want to check my heart before doing meds. I've been on a waiting list for 7 months - you'd think they could have considered that earlier. No idea how long that will take to get an appointment. I have to steel myself to do anything like this so the more roadblocks they throw in the way the more I want to return to hibernation / head in the sand mode.

    Looking forward to the weekend. So tempted to book more time off on Friday.
    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
  • beanielou
    beanielou Posts: 95,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Take time off on Friday  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you get the oven sorted. I need to sort out dishwasher and the washing machine. Think they’re on my list for tomorrow. 
    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
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm with you on the struggle.  I keep trying but it's never enough.


    "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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