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Prosperous & Creative Soul & MFW Year 3

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Comments

  • skint_spice
    skint_spice Posts: 13,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds a day well spent!
    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)
  • KajiKita
    KajiKita Posts: 8,006 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Fabulous news about the aniseed helping so much 😊
    The other other obvious thing for nausea, if you like it, is ginger of course - biscuits, teas, crystallised etc. 
    You sound to be making really good progress ❤️🤩

    KK
    As 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. 
  • Watty1
    Watty1 Posts: 7,009 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Seconding the ginger. It can be really effective. I've find peppermint tea can help too.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • jwil
    jwil Posts: 22,179 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad things are improving and you've been out and about.  Glad you are finally getting the refund too.
    "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 McGee
  • badmemory
    badmemory Posts: 9,817 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Conspiracy theories are interesting.  Back in 1979 was the Three Mile Island incident, when movement of sheep especially were not allowed out of Wales.  At the time I lived near the Welsh border (Glos) & we could see the truck loads of sheep being moved out of Wales mostly towards Birmingham.  I never heard of a single one being stopped.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Skint, Jwil, Watty, KK and BM

    I have had a lazy morning - I let the cat in at 8am and went back to bed and kept dozing off - yesterday's activities catching up with me. I was having a weird dream where I'd volunteered for redundancy but was trying to get out of it as it wouldn't fit with my FI plans at all and I'd genuinely miss the team I work with. I'm hoping I've turned a corner and will start to get better from here on out.

    I've had a couple of aniseed sweets, a banana and a clementine so far and half a coffee. Only been up half an hour. 
    I can't drink any form of tea unfortunately. I have been using polos to help mitigate the sicky feeling - but the aniseed is so much better I definitely need to find more today.

    I love ginger - but especially in biscuits and cake - both of which are pretty much banned due to fat content currently. I misread the fat label though and ordered some ginger loaf recently - so I may divide it into tiny portions and freeze some - so I can have some mini treats. I'm aiming for less than 30g of fat a day.

    I want to buy more lint rollers - although I've found one I can use in the interim. Need to remember to take it upstairs.

    I'm hoping to go to the D bedding type place today and get some navy pillow cases. I may also check out curtains and blinds. I'm glad I found a pretty place with decent shops within a couple of miles. It makes life easier. I also want to buy some plant pots - but can't remember whether I got the last lot from HB or BnM. I still need to empty yesterday's plants out my car. I may buy some plant pot caddy roller things too - I nearly bought some yesterday and wish I had now. 

    It's glorious sunshine here today but windy with some cloud cover with patches of bright blue sky. Hope you are having a nice weekend where you are.
    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
  • jwil
    jwil Posts: 22,179 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You gave me such good advice, it's filtered into your dreams :D 

    Hope you enjoyed your afternoon.  Handy to have shops nearby.
    "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 McGee
  • Nice to read about you having a good couple of days SH, here's hoping you keep on improving now🤞
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