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Follow the Yellow Brick Road 2023

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  • KajiKita
    KajiKita Posts: 7,810 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Dahlias sound lovely the snails are enjoying mine immensely. I still have a few lemon flowers...
    Mine are okay … so far …. 🤞🤞🤞🤞🤞🤞!!!!

    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 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 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. 
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 5 July 2023 at 11:52PM
    KajiKita said:
    Dahlias sound lovely the snails are enjoying mine immensely. I still have a few lemon flowers...
    Mine are okay … so far …. 🤞🤞🤞🤞🤞🤞!!!!

    KK
    Mine too (well my one dahlia) :) and I actually saw a ladybird in the garden today - just one but I haven't seen a ladybird for quite a few years.  I've seen a few more butterflies and moths recently too, and lots of smaller bumblebees (not the huge ones).

    I've just OP'd £50 to the mortgage, almost 30% equity now - probably own two whole bedrooms and half a garden!  We are holding back the larger OP as we are thinking of making a large purchase.  Wondering if we are doing the right thing in these times, but it depends on the amount it will cost in total.  Good to take time to think.
    "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 

  • Fortune_Smiles
    Fortune_Smiles Posts: 5,124 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Well done @SandyShores!  30% equity is fantastic.  I wonder what it would have been if you hadn't 'followed the yellow brick road'?

    Fortune x

  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thank you @Fortune_Smiles.  I just looked back to the initial post where I found out that it means a course of action that a person takes believing that it will lead to good things.  I went through periods of huge negativity last year, and I have definitely changed that this year.  I need to replicate this for the second half of the year and keep going.  We are creating a home home and an attitude that means enjoying the life we have built, and that is so important :smile:   
    "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: 7,810 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Attitude does make such a difference. There are all sorts of chores that I hate doing, but if I see them as a ‘house upgrade’, ‘helping my future self’ or as removing ‘a visual snag’ it seems so much more positive. (Kitchen floor swept and cat bowl / feeding tray scrubbed so far today 😊). 

    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 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 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. 
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Definitely @KajiKita.  I'd become a bit of a catastrophiser, which is a miserable place to be as little 'problems' crop up in life every day.  So I've worked on it and now have the attitude that there's not much in life that isn't fixable, you just need to plan for what you can and stop worrying.  I have to work on it every day and I agree a good place to start is the cat's feeding station and the kitchen floor :smile:  Its partly why I love my robot vacuum cleaner so much as I can be hoovering the living room at the same time (talk about multi-tasking! :smiley:) best £50 I've spent.

    I'm sat at the kitchen table at the moment, drinking coffee with the doors open and soaking in the sounds of the birds chirping and singing.  Possible storms this afternoon, so making the most of the blue sky this morning.
    "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
    Sounds a win on the vacuum cleaner.

    Glad you've been able to mindset shift. I think sometimes when I get into woe is me mode it's been because I'm not meeting my own needs enough and creating enough time for play, joy, rest and input like art.
    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: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 11 July 2023 at 10:28PM
    I think I've got the hang of this new look forum now.  Feels a bit odd at the moment but will hopefully get used to it.

    Edit - although the adverts down the right hand side are very strange and leave a huge gap, so I feel I am typing on an ipad sized screen now.
    "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: 7,810 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I haven’t got any adverts on the RHS…? 🤔

    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 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 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. 
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 13 July 2023 at 8:57PM
    Just looked again, its not adverts, there is a block of quick links and then a few news articles.  I swear the other day it was an advert but maybe I was looking at the Virgin logo and thought they were selling something - whoops.  But under the adverts is just a huge empty block so its squashing the thread to the left - feels very odd.
    "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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