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Poor Mr F - hopefully he's feeling a bit better today.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway4 -
Just checking you're all OK @Fortune_Smiles? Love Humdinger xx4
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Scorchio 🌞
Thank you all for your well wishes for Mr F. He didn't bruise badly and is almost looking like his old self again. He's out now on the mower making the most of this amazing sunshine. We leave the grass around the trees in the orchard long to benefit the wildlife but that makes it difficult to cut. We need a spell of dry weather about this time of year so we can cut it and get it dried before mulching and removing. Our ittle old ride-on mower is very capable but it's no tractor 😆
It's been a busy week:- a check up at the dentist for me. I thought it was to check on the filling I had a couple of months ago but, no, it was another full check up. I'm sure I had one quite recently 🤔 And he was keen to see me again for a clean up despite my visit to the hygienist 3 months ago and all being in good order 🤔 Then I found I've been moved to 6 monthly check ups instead of annual so I've changed that back 🤔 He's a good dentist and they are hard to come by now but I think I'm going to have to keep an eye on things as I don't want to end up paying for more than I need
- FDawg went to the groomer for a bath. As you know, I usually go for a quiet lunch at the pub next door whilst I'm waiting and spend a lovely hour reading a book or working on some writing. This time I took Mr F with me (because I can now) but I won't be taking him again. He's always in such a hurry to get on to the next thing and my little, luxury escape was disrupted by his clock watching and comments of "How long does this usually take". I'm leaving him at home next time 😆
- we had some old friends of Mr F's round for lunch on Thursday. I made a lentil chilli with rice, sour cream, grated cheese and guacomole followed by plum crumble with custard (you might remember it had started feeling autumnal then 😆). Mr F hasn't seen them for 35 years 😲 It was good for him to catch up with them and they bought us an amazing bouquet of roses, cake and wine. They can come again 😆
- the biggest money news of this week is that we have sold the car we bought for our Ukranian guests 🥳 We'd held on to it in case something went awry with buying Mr F's company car but, now that's sorted, we needed to get that money back into savings. We recouped the cost of the car, the money we spent on getting it through the MOT and made a couple of hundred on top for our trouble. Hooray! And the buyer got a really good deal too as we'd priced it to sell and dropped it a little on the day. This wasn't due to our superior car dealership skills 😆 We'd got the car for a great price to start with. Still, I am very happy we didn't lose any money in the process, especially as our Ukranian guests didn't ever get to drive it 😆 And I'm also very happy not to have to deal with the the scammers who've been contacting me every day to see whether I'd like to swop for another car 😤
- we also won £100 on the Premium Bonds. I'm sure this is only because I'm looking at moving our Premium Bond money into a savings account - how did they know? 🤭
- FDawg has a new bed. His current ones are waterproof and don't have removable covers. They can be put in the washing machine but water then gets inside and I don't think they can then dry out properly. The new bed is waterproof and the covers on the bed itself and the cushion are removable for washing. However, it is a different shape so seems smaller and doesn't have an anti-slip base so we'll have to see how he gets on with it. It does have much more in the way of padding which is needed as poor old FDawg may be getting a touch of arthritis. He was very excited when we unpacked the box and has tried it out already.
- we need to get on with setting up our company now. Mr F's had further conversations with his employer and they know-ish what they'd like from him but we still have our doubts whether it would qualify as contract work rather than employment. We can't afford to wait around for them to get their act in gear as another company wants to book Mr F for November 🥳 We've been recommended an accountant so I've left a message for them today to contact me.
Hope everyone's week is going well.
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais10 -
Glad to hear that Mr F is okay but sorry to hear he misbehaved at the groomers, hopefully you'll get your peaceful hour next time!
Sounds like you did well with the car and the contracting is going to go off to a swinging start if there's a small queue forming already.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20255 -
Made me chuckle about Mr F being impatient, my OH would be the same. Sometimes it's best to do these things on our own.
Seaweed x4 -
Fortune - a little chuckle for you - I tutted at Mr F's bad behaviour last night & the OH promptly replied in solidarity "What have WE done now?" - in his head he's formed his own little coalition with all the MSE partners/husbands - LOL - when I stopped trying to suppress my laughter & told him what had gone down, he replied - "oooooooo - that's a bad one, even I'd have known better" 🤣🤣🤣🤣🤣4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 15 YEARS 2 MONTHS LEFT OF 20 YEARS (reduced by 13 mths)Psst...I may have started a diary!8
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rtandon27 said:Fortune - a little chuckle for you - I tutted at Mr F's bad behaviour last night & the OH promptly replied in solidarity "What have WE done now?" - in his head he's formed his own little coalition with all the MSE partners/husbands - LOL - when I stopped trying to suppress my laughter & told him what had gone down, he replied - "oooooooo - that's a bad one, even I'd have known better" 🤣🤣🤣🤣🤣
But I feel for you Fortune - that is definitely not an experience to be repeated!Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway7 -
themadvix said:rtandon27 said:Fortune - a little chuckle for you - I tutted at Mr F's bad behaviour last night & the OH promptly replied in solidarity "What have WE done now?" - in his head he's formed his own little coalition with all the MSE partners/husbands - LOL - when I stopped trying to suppress my laughter & told him what had gone down, he replied - "oooooooo - that's a bad one, even I'd have known better" 🤣🤣🤣🤣🤣
But I feel for you Fortune - that is definitely not an experience to be repeated!
Definitely lesson learned for you FSAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/253 -
Scorchio 🌞
Thanks guys - Mr F will not be invited next time 😂
I'm currently sitting in a darkened room trying to escape the heat 😆 It's lovely to have a sunshine top up this late in the year but it's been super hot in the Shire this last couple of days and today is no different. The Fortunate house has very thick walls so usually stays nice and cool in the heat but 31 degrees is too much even for this old shed. We opened all the curtains and windows last night to let the cool air in and then closed them all once the outside termperature became higher than the inside this morning. We'll stay in the gloom like this until things cool down this evening when all curtains and windows will be opened again. It seems to be the best way of keeping the temperature bearable. FDawg is not happy about being kept in but he is an idiot in this weather and will run around until he's on the verge of heat stroke. I've put the fan on for him but he's giving it a stiff ignoring. He did enjoy his doggie ice cream though 🐕
Mr F and I decided we'd have a slow weekend not doing much. However, he's been out mowing for the last couple of hours as he wants to get everything tidy before his penultimate business trip next week and thunder storms are forecast for tomorrow. I, like others, have taken the opportunity to wash stuff that takes a while to dry - door mats, dog beds, etc. plus get some regular washing done.
Lunch today was One-pan Thai Green Salmon. Supper will probably be a sandwich or something as it will be too hot by then to cook anything.
Despite this glorious sunshine, my mind has been turning to the darker evenings ahead. I bought a couple of books in our local independent book shop this week as they are a fabulous facility in the town and I want to support them. Others I bought on the Bay so I have a little collection now that should keep me going for a whilte. I managed to squeeze a pair of cropped trousers out of the fabric from one of the exhibition boards we used for the Show (some darning of staple holes was required 😆). My next project is going to be some joggers for wearing in the house when it gets a bit colder. I bought the material when it started feeling chilly not knowing that the Saharan heat was coming 😆 I've ordered a pattern and notions (the pattern I bought originally needs heavier fabric so I'll keep that for another time) so I'll be ready to make a start next week when Mr F is away. I also have a photograph in mind to start painting. So a few things to keep me happy when autumn arrives on... Tuesday 😆
On the business side, I've spoken with two accountants and received one quote with the other due in this week. Uncle F is also going to let us know how much he pays his accountant so we have a benchmark. Both offer a registered office service so once we appoint the accountant we can register the business (we aren't keen on using our home address for a number of reasons). So I may officially be a Director by next week 😁
But now I think a llittle siesta is called for 😴
Stay cool peeps 😎
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais7 -
Ooh,good progress there! Am impressed with your trousers too! I've done skirts and a couple of loose flowing tops but never trousers, most impressive!5
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