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Follow the Yellow Brick Road 2023
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Lots of positive goals there. Good luck and well done on your progress. I think we change in invisible ways to us too and it can take even us a long time to notice.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 29/7/251 -
Thanks @savingholmes, until I wrote up the list I was thinking I'd had another year of trying very hard and not getting very far. But looking at it I feel in a really good place at the moment. Although I've had a few weeks of feeling a bit unmotivated and disconnected (and being unwell), I've made it through a tough year. I think its all about having a growth mindset, and believing that we can learn, get stronger and make things better. I was a reflective person already, but you are right, one of the changes I am noticing is how powerful taking a pause for thought is before reacting (wish I'd realised this earlier in my life)."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/yoga3 -
I agree a growth mindset is critical to change and growing as a person - and hopefully creating more daily joy and happiness in your life.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 29/7/252 -
So this morning I figured out how to organise my craft room/office. It will mean some furniture selling and buying to make it work but I'm relieved to know where I'm aiming to be. I've started off decluttering the paperwork in the bedroom drawer - at least 100 pieces of paper gone. Next task is to start decluttering the paperwork in the office, then the craft supplies. Furniture selling then buying will come later.
"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/yoga4 -
Hi Sandy - I love my new rainbow plastic drawers on wheels for my craft storage. It definitely makes it easier to know what I have and should help me avoid buying more! Good luck whatever you go with.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 29/7/253 -
This sounds such a positive and actually fun thing to do. I am currently eyeing up my study and mentally redesigning itSandyShores said:So this morning I figured out how to organise my craft room/office. It will mean some furniture selling and buying to make it work but I'm relieved to know where I'm aiming to be. I've started off decluttering the paperwork in the bedroom drawer - at least 100 pieces of paper gone. Next task is to start decluttering the paperwork in the office, then the craft supplies. Furniture selling then buying will come later.DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest3 -
Thanks @savingholmes and @LadyWithAPlan. At least another 100 pieces of paper have been recycled again. Yes, the fun part is next - have a look on pinterest at small sewing / craft spaces
"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/yoga5 -
I started listing items for sale - one already sold, collected and paid for - added to my craft room funds "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/yoga4 -
Yaay! 😊👏
KKAs 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.3 -
*and just sent another £750 to the mortgage - courtesy of a gift "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/yoga5
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