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Prosperous & Creative Soul & MFW Year 3

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks MF - I think the cat will be alright for just one night away. It sometimes disappears at least that long itself.  You're right about not pressurising myself on calories. Just need to find the right balance. I'm still losing weight.

    Thanks Jwil - it will be good to get away from these four walls. Also I've not seen my Dad since he broke a bone in January - and it is still not healed so would be good to see him. My parents are early 80s.

    Just wondering if you had thought about shakes savingholmes...

    Another one here loving all the red robin plants around at the moment, so much that I'm seriously thinking of buying another if I can find a space for it.  We are going to train ours into a tree shape too so I've snipped a few lower branches off this year, but its only year 2 so haven't gone too far.  I'm doing the same with our ceanothus....
    Thanks Sandy - I can't cope with the texture or smell or that kind of thing. I wish I could although at this moment I'm eating real food again which is a relief.

    At my last house I'd trained my red robin to arch over a bench and it was stunning. I love the idea of a standard ceonothus too. A couple fell into my trolley yesterday!!
    Sorry to read you’ve been unwell SH. Hope you have a lovely Easter with family xx
    Thanks Powers - I am on the mend at least now.

    Thanks BM - you are right that UPF are not great for us. 
    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
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Your garden centre sounds amazing. 
    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.
  • jwil
    jwil Posts: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great garden centre finds!
    "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
  • Blackcats
    Blackcats Posts: 3,892 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Hope you are enjoying Easter.  Will be nice for you to be with your parents for a bit of a change of scene and a bit of being looked after.
  • doingitanyway
    doingitanyway Posts: 9,965 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Each time I common here you are doing a little better so the trajectory is up. 
    Your trip to the garden centre sounded fun.
    Happy Easter
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks BC, DIA, Jwil and Beanie

    Unfortunately when I went back in to the garden I slid off the raised lawn and down the wooden steps hurting my rump slightly and my left wrist a lot. Went to bed for a couple of hours from shock. Then went downstairs for gammon roast dinner.

    If my pain doesn't improve overnight I may not be able to go away or may need to delay. 
    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
  • jwil
    jwil Posts: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the fall.  Hope it's all ok today and you are feeling ok.
    "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
  • KajiKita
    KajiKita Posts: 7,708 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh no …! 😟 Hope you feeling better today 🤞

    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 41 books of target 52 in 2025, as @ 9th August
    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. 
  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the pain has gone down 🙏
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,260


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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