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Prosperous & Creative Soul & MFW Year 3
Comments
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Hope you continue to heal - it always takes longer than one hopes .. sorry you still feeling ill though..
At least you can mentally strategise on next steps of make this house my home and glad your handy man is being useful.
Good food including chicken soup really helps .. I always liked tinned mandarin oranges when I was ill as a child - never eat them now .. but there is something in the sweetness and easy to digest...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 -
If you can only eat half a banana at a time how about popping the rest in the freezer - you could then blitz it up later from frozen with some yogurt to make an ice-cream style option which might slip down nicely? Means you start out only planning to eat half the thing as well, which takes the pressure off a bit.
Jelly with peach slices in it it something I would find relatively easy to eat I think - and again you can just serve yourself a spoonful at a time. Less in a bowl or on a plate when someone is low appetite is less overwhelming and the feeling of clearing the plate is a better feeling that "I couldn't even manage THAT amount!" - you can always go back for the same amount again if you feel you could cope with eating a bit more.🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Hello savingholmes. I hope you're feeling a little better. It's always worrying when you can't eat very much, especially when you're poorly as you need to keep your strength up.
Your handyman sounds amazing. I hope when he gets the invoice to you there's no surprise there. Also I hope you've received your refund for the flooring by now.
Take care of yourselfDebt on 01 July 2022 = £42,083.00
Debt on 01 January 2023 = £37,075.87 (-£5,007.13)
Debt on 01 January 2024 = £24,922.36 (-£12,153.51)
Debt:
01 January 2024 = £24,922.36, 01 February = £24,170.95, 01 March = £23,298.44, 01 April = £22,424.83
Current debt free date = 01 July 2026.3 -
Thanks @catclaires
Will try hospital tomorrow. Very grateful for views.
Thanks too LWAP and EH.
I love mandarin orange jelly so that's a great idea.
Sis has come down from down South to take me out and help a bit this afternoon and evening. We managed to return a couple of blinds. We also went to the Rng3 again and got some bits including a curtain pole for my bedroom. I had to keep sitting down in their garden furniture section and felt utterly exhausted but still glad to have got out the house for a bit.
Delivery just came. They carried stuff into the kitchen for me.
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 29/7/255 -
Glad you got out for a while.Mortgage OP 2025 £6750/7000Mortgage 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)3 -
Glad that you have been 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.3 -
Glad you’ve got out.
if I’m poorly and not feeling it I like soup in a mug, doesn’t feel quite as much as a meal IYSWIMSealed pot challenge 822
Jan - £176.66 :j3 -
Glad you got out and your food delivery came. Slow and sure wins the race.Hugs xAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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 -
Glad you managed to get out and about and that you are starting to feel better."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2
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Thanks Daisy, Skint, KK, Jwil, Beanie and Dawn
I've just gone 32 hours without morphine plus less paracetamol so that feels a huge improvement. Sadly yesterday I really struggled to eat. Just hope today is better.
I've agreed weekly invoices with the handyman. He's not coming today but is tomorrow. I'm seeing him as part getting the house sorted and part the cost of being ill. He's a larger than life character and has offered a bit of company and security during this weird time.
My DD is moving soon with her BF's family and then she will be a lot closer to me again.
My sis hoovered downstairs yesterday, if I can I hope to hoover upstairs or try and get robovac working. It's still in its box.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 29/7/256
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