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Follow the Yellow Brick Road 2023

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Comments

  • SandyShores
    SandyShores Posts: 2,065 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Sorted out the spare room and made a good start on the garage.  Popped to Morrisons for a quick shop and picked up the 1000 promotion points.  

    I've added almonds, prunes and a cod liver oil capsule to my daily diet now.  All very good for bone heath apparently.  
    "Think of many things, do one"
    Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga 

  • SandyShores
    SandyShores Posts: 2,065 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Monitor riser/shelf arrived and was assembled.  Its starting to look very tidy in the office/craft room now and has a totally different feel.  Selling and sorting was next on the list so that I could focus on decorating.  There's definitely a lot less clutter, but there is a lot to deal with, and also noticed that the clutter is gradually re-appearing.  Iits funny how one bit of clutter seems to attract another, and another..... spotted a hairdryer brush in Asda for £10, and now that's joined the hairdryer and straighteners - so a larger box/basket now needed.  Brilliant value for a tennerr though - especially with my bad shoulder.  

    I managed a bit of decorating over the weekend - amazing how a bit of fresh paint can freshen things up.  The whole house needs doing so I have to plan that.  The garden needs a good tidy up too, but when its nice I seem to have been doing other things and now its very rainy again.  
    "Think of many things, do one"
    Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 29,178 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your decorating. Sounds like you are getting things organised and making things more beautiful and liveable.

    Merry Christmas and Happy New Year in case I don't catch you again before. I am soooooooo behind on diaries. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.3K updated 17/4/26
  • SandyShores
    SandyShores Posts: 2,065 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 22 December 2025 at 10:08PM
    Thanks savingholmes I have definitely turned a very big corner.  There are pockets of clutter I need to keep on top of - which is the same for everyone - but the decorating part is gradually taking shape nicely.

    I managed to get the garden organised over the weekend.  Not easy as it was so wet underfoot, but at least it didn't rain. 

    We are having a chill year this year, thank goodness.

    Merry Christmas and Happy New Year to all MSErs :):):)
    "Think of many things, do one"
    Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga 

  • Merry Christmas!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • SandyShores
    SandyShores Posts: 2,065 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Had a very chill two days, really relaxing for a change - normally we get home late on Christmas Day exhausted and then spend the next day recovering.  Though I've also spent quite a bit of money on a piece of furniture and on some new blinds that I've been meaning to order for the past month. Its planned stuff - I've just not had time until now to sit down and ponder choices and make my mind up.  Excited for them to be delivered in the new year - it feels like my plan is coming together :smiley:
    "Think of many things, do one"
    Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga 

  • SandyShores
    SandyShores Posts: 2,065 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Feeling inspired to start a new thread.   

    2014 - started the debt-free journey properly (after previously selling the house/paying off debts and then racking them up again, and getting ourselves into employment hell - don't ask). 

    2019 - finally became debt-free - I love writing this, it was a hard five years but very proud of the achievement.

    2020 - got back on the property ladder (with a £300k+ mortgage) and in the five years since got good jobs and made some OPs, but need to speed it up as SPA is fast approaching.

    2026 - I'm going to use the next couple of days to firm up some goals for the. new year
    "Think of many things, do one"
    Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga 

  • debtfreeoneday
    debtfreeoneday Posts: 5,082 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Look forward to seeing your goals for the year and well done on your journey so far!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • SandyShores
    SandyShores Posts: 2,065 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Look forward to seeing your goals for the year and well done on your journey so far!
    Thanks debtfreeoneday, I am so grateful for where we are today.  Its definitely been a journey and MSE has helped me through.  New thread started and I'm ready for the next five years.
    "Think of many things, do one"
    Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga 

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