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Prosperous & Creative Soul & MFW Year 3

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  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the handyman came and you achieved so much. Fingers crossed he comes tomorrow. 
    L
    Total 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 #124
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    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#latest
  • TallGirl
    TallGirl Posts: 6,225 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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#latest

  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • 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 saved
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,484 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    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 2025
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Lucielle, LWAP, TG, EH, Merlin, Mark and @ohdearhowdidthathappen

    The handyman said he'll be back Monday.

     TallGirl said:
    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...
    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. 

    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.
    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 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.

    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 £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
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
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