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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
    Hope you feel better soon @KajiKita

    Glad you perked up a bit Sandy. It's not nice when you feel flat even if you know the reason.
    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
    Thanks savingholmes, I have really perked up lately.  I've started prioritising myself a lot more lately - walks, water, exercise and making sure I have some relaxing time.  Home is feeling a bit messy lately, but there's a balance for me between tidying and cleaning and enjoying life.  I'd ideally love a perfectly clean and tidy home, but I'm learning to live with mess and imperfection - I wish I'd done it a long time ago.  That said, I would like to spend a bit more time cleaning so I've bargained with the OH that he will do the cooking for the next few weeks and while he's cooking I'm going to catch up on the cleaning.  Who knows, it may become a permanent thing.  
    "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
    Variety is the spice of life.

    Sounds like adjusting the balance is doing you good.
    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
    Thanks savingholmes, I've tried for years to get MrShores into a cleaning rota but it's impossible.  He can't seem to embrace the concept of a quick flick round with the duster or a run with the hoover.  Cleaning to him is removing all items out of the room, then cleaning everything, then putting it all back - you know a several hours job.  So inevitably it very rarely starts because there's not enough time to do that.  

    I've started following the Flylady threads again to give me some motivation and it's working pretty well so far.  
    "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: 7,811 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks savingholmes, I've tried for years to get MrShores into a cleaning rota but it's impossible.  He can't seem to embrace the concept of a quick flick round with the duster or a run with the hoover.  Cleaning to him is removing all items out of the room, then cleaning everything, then putting it all back - you know a several hours job.  So inevitably it very rarely starts because there's not enough time to do that.  

    I've started following the Flylady threads again to give me some motivation and it's working pretty well so far.  
    Mr KK can be a bit that way, but he’s slowly learning …. 😉

    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
    Thanks Kajikta, I didn't think I was alone :smiley:  Mr Shores was 'too tired' to cook this evening, so I took on cooking duties.  I was quite happy to be relieved of cleaning duties though as I felt pretty tired too.  Luckily it was a quick 10 minute pasta meal so not a problem and I did have a night off cooking last night.  We share cooking over the weekends, so will have to see how next week goes.
    "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
    Good luck with the rota sharing. Hope you have a fun weekend.
    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 22 August 2023 at 10:37PM
    Thank you savingholmes.  Had a busy but fun weekend, so on Monday while Mr Shores cooked I laid on the sofa and recuperated :).  Back to the plan today though and while Mr Shores cooked I did a couple of cleaning tasks, and carried on with cleaning the kitchen window after we'd eaten.  I love doing bite size cleaning, it's much less laborious.  My plan is to just do tasks like this and eventually the house will be sparkling without having to dedicate much if any precious weekend time to it. 

    edit - forgot to report that I have now read a whole half a book!
    "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 like a better balance. Glad you are getting more you time
    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
    Thanks savingholmes.  As the week has gone by my enthusiasm for cleaning has waned.  But should build up some more energy over the weekend.  Where does the time go?

    I was just reading Fortunes post about using time more productively and finishing those projects.  I've got a few like that - sewing, knitting, crochet and painting.
    "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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