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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Cleaner & handyman envy here!
Cake sounds just lush
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.4 -
Whilst I have mentioned my handyman envy previously my cleaner envy is definitely the greater. Perhaps I just need someone to kick me into gear, but I have been doing better recently honest. Out of 2 six foot tall cupboards I am now down to less than 1. Then I can book a tip collection.
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Well done all on your cleaning and decluttering efforts....I too have cleaner, handyman, gardening-prowess and writing-progress envy!5
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Thanks DIA, Beanie, BM and Starlight I appreciate the encouragement. I am too often in danger of seeing what I don't do rather than what I do.
DD was thrilled with her cake and balloon but wants to save it until tomorrow. Torture waiting.
I got some gardening supplies and 🎈 from HB. I've put together another raised bed but don't yet have enough soil to fill it. My apple tree has been falling over this week. I propped it back up. Put in a stake and filled two bins with water to help keep it in position. Hope it works.
I've used some branches to make a climbing support for future peas and beans. My potatoes from a few weeks ago are doing well as are my peas in the same container. Snails did get one containers peas. Don't know if they will recover.
I plan to sow sugar snap peas tomorrow and more potatoes and onions. Most of my garden knowledge is trial and error and utube.
I've separated my purple basil, coriander and lemon balm multi sown seedlings into little pots. I am growing them for their flowers and leaf shapes as much as anything.One lupin seed from last week has sprouted. 7 or more to go.
Tomorrow I need to rescue some of the half drowned seedlings outside.
Night 😴 all
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.4K updated 8/5/268 -
I have raised bed envy 🤣🤣🤣3
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Pass the cake
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.4 -
Hi WD it was one I bought before Xmas that I finally put up. Bought another today. Not finished adding soil yet. I bought more compost and strawberry plants. I staked blackcurrant and raspberry canes. I transplanted more peas and beans.
I have sown 15 new pots with sugar snap peas which I am hoping will offset slug and snail damage. In theory I can direct sow but hopefully it will help.
I planted a few more potatoes. Everything is coming along. Beautiful sunshine today.
The cake 🎂 is yummy. Here's your slice🍰.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.4K updated 8/5/264 -
The cake looks amazing! Happy birthday celebrations!
paydbx2026 #19 £1499/£6000 . Mortgage start £148k June 23 - now £133k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.173 -
Cake looks lovely! Hope you are having a good weekend."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 McGee2
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Hope you're having a lovely weekend, the cake looks delicious 😋
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345
Clear the M&S Card Starting Balance 03.05.26 £600
3
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