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Prosperous & Creative Soul & MFW Year 3
Comments
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Good news 😊
Enjoy the different surroundings and the company 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 made it there ok. Enjoy your time with your family
"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 -
Have a lovely time with parents , glad you got there ok.Life is an adventure, never stop exploring.3
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Enjoy the time away.
Hope your wrist and seat padding heal quickly.
It's always worth having two hand forks and trowels, if your original isn't easy to get. Tuck one set in the porch / by the front door depending on your set up for use in the front garden, keeping the other in your shed.
Happy Easter.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Enjoy the time with your parents! Hope it all goes well and your wrist is feeling better.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20253 -
I’ve found myself doing this with scissors ….MovingForwards said:Enjoy the time away.
Hope your wrist and seat padding heal quickly.
It's always worth having two hand forks and trowels, if your original isn't easy to get. Tuck one set in the porch / by the front door depending on your set up for use in the front garden, keeping the other in your shed.
Happy Easter.
I need a set in the greenhouse for quick maintenance and cutting string for tying up growth in the summer.I need a set in the potting shed for opening compost bags, mainly.I need a set in the kitchen.I need a set in the living room - or Mr KK uses my embroidery scissors to open bags of nuts! 😳 Grrrr ….
I need a set in the office for crafting.
I need a set in my mini tools trug that I yomp around the garden, for dead heading and tying in.KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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.4 -
Thanks KK, SunshineGirl2, MF, Jwil and Merlin
I have countless pairs of scissors...
I have left a trowel outside for now - covered with a pot so it's easy access but hopefully won't rust. I have multiples - it's only that my stuff isn't unpacked yet in the garage / shed.
I made it home safely last night on pretty clear roads so I was happy with that. I had a nice time. The little kids 'made' the event. Some of my siblings are campaigning for my parents to move closer to family support. Will be interesting to see if that happens. I sounded a few notes of caution for both parties and suggested clear boundaries would be needed to avoid any individual becoming overwhelmed if it happened. I also suggested they needed to radically declutter/purge their belongings which went down about as well as could be expected!!
My wrist had improved a lot by yesterday. The front of my legs ached even yesterday but my sister felt that was positive muscle ache from the gardening rather than the fall. It's better now. Shows how much fitness I lost during this period. If the weather is kind I hope to do some gardening later - but it has been raining off and on. I will wear different shoes - and take extra care if I go up on to the lawn area. Otherwise - hopefully I'll be able to get some cleaning done. Plus play of course.
I still need to dress but have been vaguely awake since my alarm went off at 10 and got up at 11. I've put some potatoes I boiled the other day on to roast - and hopefully will have gammon later on.
I have a sick note for this week. My ADHD meds provider wrote to me last week - I need to be brave and see what they wrote... I should perhaps start taking those meds again - I expect its some proposals around that. I need to dig out my BP monitor and see what it reads - as when I was in hospital and at the doctor's my BP was higher than normal.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/255 -
Here you can see some of my many pots plus the bamboo and grasses I want to get cleared. There is more bamboo to the right too
I love my spring bulbs in this picture though and the love lies bleeding plant on the left above. Plus below my new vinca and evergreen clematis. The red robin plants in the foreground came with me.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/255 -
Please send me your handyman. Thank you.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 -
Bless Beanie. I wish I could. I asked for recommendations and that's how I got this one and the previous one. I've used tree loppers to cut back some bamboo near my bay tree today. Come back inside now for a coffee and a snuggle under my electric blanket. Stamina definitely improving. Feeling more hopeful again. The panoramic views from the front are particularly far reaching today now the sky has cleared which is also awe inspiring.beanielou said:Please send me your handyman. Thank you.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/257
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