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Prosperous & Creative Soul & MFW Year 3
Comments
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Glad the handyman came and you achieved so much. Fingers crossed he comes tomorrow.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1242 -
Glad you sound better and house progress is being made - loving your gardens pics
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 -
What fab progress with the handyman much better to have access to stuff and easier to get rid of it all now you have pictures so no excuses just list it and hopefully people can pick up at the weekend and you will feel so much better once it is gone.
As for the bamboo I agree it is quite boring like that. It would be much nicer to have stuff trailing down over the stones and if need some height at the back. I do like grasses obviously in the picture they are all brown and finished. If you cut them down the fresh green stuff will look so much better. You can rake through them like a brush to get all the brown bits out without damaging the new stuff. A few grases here and there can look good with other plants but if you do not like them then get rid. You could alway offer people to come and dig out for free they are very trendy now and saves you having to do it.
Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest4 -
Ahh now you ARE sounding better SH - I'm glad you're doing so well and got to spend time with family at the weekend too!
The handyman is also on a roll getting through your jobs - excellent stuff!🎉 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 -
Hi SH
Sounds like a lot of changes in your life since I last visited your now ‘old’ diary. Will catch up on this one asap
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4 -
You definitely sound a lot brighter and like you're getting back into the swing of things!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 -
so pleased to see you are getting better - take your time recovering though - give yourself a back to work plan at home as well as workI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Thanks Jwil, DIA, Skint, Beanie and FS
I had a good day Monday - but the handyman took to his bed Tuesday so no real progress since then. I attempted to hoover the living room Monday evening and moved loads of stuff out the way - and it's still there. I pretty much hoovered the room - but then I thought I'd move furniture around - and kind of got stuck as my energy ran out. It hasn't returned yet!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
Thanks Lucielle, LWAP, TG, EH, Merlin, Mark and @ohdearhowdidthathappen
The handyman said he'll be back Monday.
TallGirl said:
I want things that drip down or climb up the stone. Someone also suggested I paint it which I'd consider - but you then have more upkeep. I hate bamboo. I only like 'grasses' that flower e.g. like irises or crocosmia. I don't mind the Cordyline (red leaved thing to the right) - it can look nice - as long as it's not at a height / angle where someone could get it in their eye etc.As for the bamboo I agree it is quite boring like that. It would be much nicer to have stuff trailing down over the stones and if need some height at the back. I do like grasses obviously in the picture they are all brown and finished. If you cut them down the fresh green stuff will look so much better. You can rake through them like a brush to get all the brown bits out without damaging the new stuff. A few grasses here and there can look good with other plants but if you do not like them then get rid...
My stamina evaporated again. I was freezing cold all of Tuesday - possibly fighting off whatever bug the handyman has but warmed up slightly yesterday but not achieved anything more. Been watching some Narnia films and started listening to related books.
Today I had to be up early and travel to where I used to live for an (unrelated) hospital appointment. She felt I needed to extend my sick note and even then only got back a few part days of the week rather than all of them. After the appointment I nipped in a few shops to pick up a handful of items I haven't found here. I stopped at a cafe car park for a work call about my possible return. They'd be open to me starting back small but would potentially want me to be fully fit unreasonably quickly - so need to consider that some more. I had a salad in the cafe before heading the final bit home. I'm now utterly wiped.
I think you are right on this. I have a good day and think I'm sorted and feel guilty for being off - and then spend a few days recovering. The medical person said that was really normal with how ill I've been and that you really do lose muscle as soon as 8 hours of being ill/stuck in bed. Scary thought. I've put on a couple of pounds the last few days - she told me not to be disheartened by that as it was probably me putting back on some of the muscle I'd lost! We've agreed my next appointment for a couple of months time and she said it could be by phone which would be much easier. She also thinks I need to put in a formal complaint asap to the other hospital.mark55man said:so pleased to see you are getting better - take your time recovering though - give yourself a back to work plan at home as well as work
I have a counselling appointment tomorrow so no doubt I'll discuss all of this in more detail then too.
Thanks all for caring. It really does give me a lift to see your responses.
@ohdearhowdidthathappen
Catch up: I moved to a house full of bodged jobs and urgent maintenance jobs but with amazing views. Had to fix the roof, gutters, soffits, fascias and pointing. Roughly 3 weeks after the move I ended up in hospital for 8 days. Now in the sixth week of being off sick. Hopefully I will get better soon. Hugely better than I was. DD is moving with her BF's family to be within about 20-30 minutes of me mid month with this being her nearest decent shopping town - so all change for her too. DS got a new, much better job with commission that he starts around end of May/early June.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/254 -
Glad to hear things are improving, try not to overdo it as it's still early days.
Plants look good and there's always the option of painting the raised bed, injecting some of your persona.Mortgage started 2020, aiming to clear 31/12/2029.3
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