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Prosperous & Creative Soul & MFW Year 3

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  • SandyShores
    SandyShores Posts: 1,964 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Another one here that only found about the drain unclogging when the shower threatened to overflow.  It was really difficult to lift up, just be careful when you do it that you don't disturb the fixings - hopefully the handyman can help.  

    You are doing so well savingholmes, coping with your illness and still managing to move things forward.  Just take care of yourself first and foremost.
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • badmemory
    badmemory Posts: 9,592 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    If you have one with chrome finishing watch out for the "paper" cuts.  When my filter was really bad I landed up with nine on my fingers.  My plumber is supposed to be replacing & I hadn't thought to specify no chrome finish.  Frankly I would rather the white plastic, at least you can see what is what.
  • jwil
    jwil Posts: 21,904 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are still improving.  It might be worth upping savings for a while til you are at a level you are comfortable with.
    "If you can dream it, you can do it". Walt Disney
  • Humdinger1
    Humdinger1 Posts: 2,293 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    edited 18 March 2024 at 7:06AM
    Immediately prior to going into hospital I was debating what size my EF needed to be. By the end of next week I will have used up at least 1 month of my 6 months full sick pay. If I end up needing an operation - depending whether it was open or key hole I could use up a further 2 months. While my heart wants to increase my AVCs - my head is suggesting saving - although until / unless I commit to building works I still have my post move savings pots. I'm even debating whether to pay for my surgery privately rather than risk such a negative experience again next time. I don't need to make that decision yet - and it would depend what the MRI showed. Lots to ponder.
    As ever @savingholmes you are spot on! I'd agree that AVCs are perhaps best put on hold for the moment though am not an expert.   You've done brilliantly building up pots and a bit of extra cash to hand/ in accessible pots now could help you relax and recover; the AVCs you've already put in will be earning interest. I know this doesn't sound very MSE on the surface but if it helps you recover
    ...I think you'll be better way before full pay stops. Love Humdinger xx 
  • TallGirl
    TallGirl Posts: 6,203 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hope you continue to recover well hospital sounds horrible luckily in my 30 years here I’ve never had to go in thank goodness. Holding some money back will give peace of mind just don’t be tempted to spend them too quickly. Glad handy man is still proving invaluable. Have you started looking for a new cleaner? Your previous one sounds hard to replace. 
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks HSL, Merlin, Sandy, BM, Jwil, TG and Humdinger

    That's a good way of looking at it on the AVCs. I'll leave my pay as is for April and then review.

    Felt down over the weekend. I ordered food from Sainsbugs as a change - the first time ever I think - and of course got caught up in their technical glitch so it never arrived. When you are pretty much house bound due to illness though - it has more of an impact.

    Prior to that happening - I'd tried to cheer myself up by making art (still on sofa). I found an old SW mag - and used that as a basis for collage with some of my weight loss / healthier living goals hidden in there plus motivational words. I paired it with some of my recent collage papers and really like how it looks. Reds, yellow, metallic teal and gold plus other colours. It's now hung in my living room.

    I paid extra for an express Mr A delivery - but they didn't have 7 items so I felt rather ripped off.

    DD and her BF came yesterday - which was nice other than I almost immediately threw up multiple times. They helped put the food delivery away - and then took me in the car to the Rng3 - and I bought some extra cat litter, some bedding plants and bulbs for my garden pots to brighten up my view somewhat. I planted some after they left - I need to do others today.

    I've lost 17lbs in 21 days - so the struggle to eat and keep things down continues. It's both a silver lining and a worry. I need to book myself a blood test to see if my numbers are improving. I'm about half way through the antibiotics but still have an intermittent fever.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The A's express deliveries do seem to be a bit hit and miss - I've only experienced it when a friend ordered through them while I was there a while ago - out of I think 5 or so items we ordered they delivered 1 only but didn't tell us in advance that it would be that way...not ideal, and that combined with your experience would definitely put me off using them. As you say though - you currently have limited options don't you!

    It's nice that you've been able to get out and get some bits and pieces for the garden in particular - so long as you take the amount you do in one go very steadily I imagine that the fresh air will do you the world of good! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • beanielou
    beanielou Posts: 95,503 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Banana & custard? 
    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.
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