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Prosperous & Creative Soul & MFW Year 3

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  • Hello savingholmes.  It's good to hear you've been able to eat more now and have had your sick leave extended. I hope you're on the up now to a full recovery.  How lovely that you'll also have your DS living closer.  Well done on the refund too.  That took so long!
    Debt 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.
  • doingitanyway
    doingitanyway Posts: 9,965 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    So sorry to hear your sickness is still so difficult. You have really been through it. Eating is a good sign.
    Look after yourself 
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    GP chat appears to have been beneficial.
    Work can wait, health comes first.
    Doesn't sound like much has been spent on the HM considering how much he has done and the support.
    Would it be a bad thing if you didn't see wider family for Easter and focus on recovery rather than potential stresses.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,751 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Glad you are on the mend and you have full sick leave pay. Rest up

    It seems your handy man is the current target of many handyman dreams over here on MSE.. I was looking at some flats online and if there was a huge amount of work to do I was definitely thinking --err no...
    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#latest
  • KajiKita
    KajiKita Posts: 7,700 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Aquilegia are pretty tough. So long as the tap root is in good condition and there is some top growth for buds, they should ‘do’ again for you 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £272 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. 
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