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Follow the Yellow Brick Road 2023

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry you were awake at crazy hours. 

    Good to set boundaries - especially over work/life balance. 

    Hope you had some fun this weekend. You reminded me to declutter - and I've done 2.5 hours in the last ten days. Progress.
    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
  • SandyShores
    SandyShores Posts: 1,971 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks savingholmes, its only a bit of lost sleep, but I seem to need it more and more the older I get.  I try and have a good rest at the weekends to make up for it, which does help, but I'd rather have a good nights sleep.

    Yes, boundaries and balance - key to the rest of life.  I really need to develop a habit of not caring quite so much about some things.  Sounds weird to say as I'm a very caring person, but its something that people can take for granted and take advantage of.  I'm going to focus on this from now on and will say no at least once a day, even if I want to say yes :smile:  If I practice saying no enough, firmly but politely, eventually it will become normal - to me and to others.  Start small Sandy.

    We did some work in the garden this weekend and its all looking really promising.  Followed by a trip to the recycling centre, then shopping and cooking a Sunday roast.  My aim is to start prioritising time for myself again, its great to get out even if its just on a nice walk and just let your thoughts slot back into place again.

    Great that you're decluttering savingholmes, my decluttering took me an age, but I'm much better at moving things on these days.  I have a wardrobe and a chest of drawers for clothes and if it doesn't fit in there something has to go.  I tried a capsule wardrobe a while back, but couldn't seem to get the hang of it.  I like the idea of a kind of uniform for home and work that you rotate.  
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • SandyShores
    SandyShores Posts: 1,971 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Just popping to report another payday has been and gone, and an another £1k OP made :smile:  Regular payment should come out tomorrow too, so I will update my signature in a day or two - but we must have knocked another month off so it will hopefully be an August 38 end date.
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • KajiKita
    KajiKita Posts: 7,788 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Fair dos, you are rattling along! Cracking momentum now 😊👏

    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 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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
    Well done on knocking a month off that is fantastic 
    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
  • SandyShores
    SandyShores Posts: 1,971 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper

    Thanks @savingholmes and @KajiKita. It feels like we are heading towards the next big target much quicker now - and next month should see us having knocked a whole year off which is super-motivating.

    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • SandyShores
    SandyShores Posts: 1,971 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper

    I had a productive but slightly tiring day today - returning some unused stuff (about £50), and then made some unnecessary but nice purchases. I finally bought a new sheet for our bed - the new mattress is much deeper so the old sheets weren't quite big enough. The time had arrived today when a deep sheet was purchased and I'm very pleased with it - it fits really well and looks a lot more grown up 😂. I'll need to buy a spare one and then I'll feel really grown up. Followed by a trip to Mr A and Mr L, which always wears me out, but supplies are gathered now and so there shouldn't be a need for further trips very soon. Now the weather is nicer I'm hoping to get out in the garden even more and do some planting (purchased a hosta today) and tidying. Its not a huge garden but every small thing we do makes such a difference.

    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Love feeling grown up by having well fitting sheets. I know exactly what you mean 😉

    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
  • SandyShores
    SandyShores Posts: 1,971 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks savingholmes.  Its so much more enjoyable now from my spending fund too - ultra grown up :smiley:
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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