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Prosperous soul, mortgage neutrality & creativity Year 2

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  • savingholmes
    savingholmes Posts: 28,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks HSL, Dancing and Jwil


    Slowly making progress.

    Direct sowed some sugar snap peas. Pulled some green garlic and used in a veg pasta. It was surprisingly tasty.

    Planted strawberries and potatoes. Transplanted some broccoli. 

    I want to direct sow some carrots and lettuce. I've put purple basil out to harden off. I planted my rhododendron and azalea in pots.

    There's 2 apple trees in the photo, lots of raspberry canes and some blackcurrants too. Black elder, Rose,  Escalonia and Weigela (not sure on spelling) background shrubs.

    The branches as stakes are an experiment. Will see how many plants survive!
    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: 95,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Do you ever stop!
    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: 11,513 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Garden photos are great!  I was useless at composting and it just ended up as a soggy sludgey mess. 
    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
  • Love the raised beds
  • lucielle
    lucielle Posts: 11,513 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That does sound a lovely week with lots of things to look forward to. Enjoy. 
    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: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your week!
    "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
  • beanielou
    beanielou Posts: 95,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have a good week  :)
    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.
  • savingholmes
    savingholmes Posts: 28,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Beanie, Jwil and Lucielle

    Had a lovely time with my friend last night. She too would like to move to the country. Will see what happens. She may go to the outdoor pool with me - so I need to work out logical times. Arranged to meet a different friend in a couple of weeks time.

    I've asked my cleaner to decorate the room of doom tomorrow and she's up for it which sounds promising. I'd asked the handyman but he didn't show up last week to do any of the jobs asked due to the rain - despite there being indoor options. I plan to go through the stuff after work tonight - and try and look at it all with the lens of - 'if I was moving would I pay to cart this with me and have it clog up the next place?' DD being out more has meant the house has stayed a lot cleaner and tidier - whether that's because I'm more motivated to keep it tidy or genuinely less mess I don't know. 

    I've decided to work towards getting my house 'valuation ready' - depending on what the value is - and how I feel about it at that point I can decide whether or not I truly want to move. The pretty options close to home are all dearer than I'd like - so currently expecting to have to travel further away in search of a pretty place to live. This would be a great time of year to get some photos done though as my garden is looking pretty. I'm trying not to get sucked in to over-spending on my next house (if I move) - and am keeping an eye on what my mortgage payments could be if they stay at this level. In theory I can port my mortgage - but that doesn't mean they'll value the new place at the price I want so I could still get stung.

    My Mr A delivery didn't arrive last night. Given it sent me an auto text saying it would be delivered between 12.41 and 1.41am I had a little clue - but as an autistic person I found that confusing as part of me was unsure if I should wait up. It took me until midnight to convince myself they definitely weren't coming... The curse of a literal mind!

    My parents are sending me money for my birthday which is handy - so many things I'd like...

    Need to get dressed and get off to work now!
    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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