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Prosperous & Creative Soul & MFW Year 3

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  • lucielle
    lucielle Posts: 11,534 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Pleased you got the docs sorted, along with the meds. 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Jwil, KK and Lucielle

    I think the antibiotics are starting to kick in - my fever was lower today. I managed a shower today and remembered to moisturise too. The wet room was slow to drain - so panicked at one point but resolved eventually. I effectively used the towels to clean the floor. I've put a load of washing on but later will need to add towels and bedding to another load. Definitely think I under-estimated my water use and should change it with the provider. 

    Handyman dropped in to take some measurements and drop off paracetamol for me but he's not available to work today so will be back next week. He's not invoiced me yet for this week.

    I got paid today - so £450 went into AVCs.

    I've chased up my flooring refund which is still outstanding. I cancelled on 5/3 so really frustrated the £3.1K is not yet back on my CC. Even when it lands - I'm going to need to request a refund from the CC as I had to pay the bill in between as they've taken so long to refund.

    Eating is still a struggle. Managed a third of a bowl of porridge. 1/4 of angel D pudding - with 2 strawberries. Currently defrosting some veg soup as can potentially have that - may add a little chicken to it.

    Grateful I qualify for full sick pay.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • Blackcats
    Blackcats Posts: 3,937 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Good job you managed to get all the medication - so important that you are taking all that's been prescribed.
    angelD and strawberries sounds lush and possibly a bit healthy with milk and fruit.  Don't know what else is in it but that's the ingredients that create the delight.  I've just checked and I've got a sachet in the cupboard but sadly no strawberries.  Butterscotch flavour with a sliced banana for me later after I've braved MrBC's vindaloo curry concoction. 
  • beanielou
    beanielou Posts: 95,980 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Re wet room. You need to lift the drain cover regularly and take the hair out. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • badmemory
    badmemory Posts: 9,817 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I agree re the shower outlet.  Mine is clogged regularly with my sons hair.  I brush mine before so not so much of that.  When I was recovering from my op I let it slide & I thought the water was going to lap over the edge of the shower.  Cleaning that was not a lot of fun.  Never again is it going that bad.
  • skint_spice
    skint_spice Posts: 13,461 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are managing to eat a bit more SH, hopefully it will help you feel better.
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I also managed to unpack a box from bedroom 2. Tiny bits of progress.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • Just catching up again…so sorry to read that you have been unwell. Wishing you a speedy recovery. What a blessing the handyman has been able to both sort out jobs on your list and get supplies when you have needed them.  Hope the birdwatching has brought you joy. Thinking of you…
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
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