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Prosperous & Creative Soul & MFW Year 3
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Good luck with the planting, the garden will be beautiful.Mortgage OP 2025 £6200/7000Mortgage 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)2 -
Thanks Jwil.
Morrie's plants above and yesterday's below. I need to plant stuff up rather than buy more. I'll run out of compost soon too. I need to measure and sketch out my garden and decide what to put where and how to layer it. One of the plants I couldn't remember the name of was the bluey-purple ones towards the rear of the trolley - they are Poloniums. I also got saxifrage (small red-pink flowers) and a variegated aubretia (purple flowers) and a similar one with white flowers.
While parts of the upper 'terrace' are compacted other parts grass and weeds pull out easily - so I'm hoping that I'll be able to directly plant into it (or get help to) soon. There's also a strip of side border at the back that I plan to remove (get help to remove) a thick grassy weed from and then I'm hoping to plant that up. It has a Broom (yellow flowers) in it currently which I'll keep but the rest is 'free'. I'm still debating whether to temporarily plant some things direct in the soil in the front garden while I await my new drive - as that way I save on pots and compost but can get a feel for what I like where. I placed most of the tulips on the upper terrace yesterday evening plus a couple of pots around the front.
Didn't sleep well. Didn't drink much during the day and ate late so was super thirsty all night. I also watched an art show for several hours too close to bedtime. I saw the start of the dawn again.
Very blessed by my views.
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 29/7/256 -
I get paid on Monday and it's already showing as available in my account. Because for now I haven't bought extra holiday and the effect of the NI changes - I've got around £200 more net than I did in February. Feel very blessed that despite being off sick I'm still on full pay. You'll be pleased to know that I've now been referred to OHU, awaiting an appointment currently.
Trying to do more to boost my stamina. It was weird though as at the beach a week ago I did over twice as many steps as I did the day I went to Morries - but the latter was when I was the most exhausted. My energy levels still feel very unpredictable. The Morries day I had also had a productive but exhausting chat with a builder so whether it was that I don't know. That day we saw a huge bird fly across to a very tall tree - I wondered if it was a stork or a heron or similar as it was so big.
My parents may come for their first visit next week so ideally I need to tidy things up. It's hard to motivate myself to do that without visitors and my new cleaner doesn't start until next Friday. I hoovered two bedrooms and the landing the other day. Ideally I need to tidy bedroom 3 (WFH room) and hoover in there and the bathroom, then the stairs. At some point I then need to hoover the whole back L shape. No doubt by then it will be time to hoover the lounge and hall and utility area. I always think if you can't hoover - you're not fit for work - so I'm seeing it as part of my test for whether I'm well enough to start a phased return in a week's time.
I still haven't tested the robot vacuum cleaner - but hopefully I'll be able to use it at least upstairs soon. Now I have the new rug for the lounge it might cope in here too. I'll just need to block off the remaining cardboard area. The back L shape - particularly the art area still feels like there's too much loose stuff on the floor and that needs resolving before the robot would work in there. There are also dips in the floor which it may not like.
I'm at the hairdressers this afternoon - back where I used to live - so again the travel and noise and social will be a good test of my current fitness to return to work. I had to miss last month's appointment as I was too ill to travel so really looking forward to banishing the grey root skunk stripe look!!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 29/7/254 -
The skunk look is really common now, my friend is a hairdresser and says more people are pushing on their appointments a couple of weeks longer to save money.Sealed pot challenge 822
Jan - £176.66 :j5 -
The robot is good fun. It just pushes things away that are in its path. I would just be careful of any cables/wires.When I emptied mine it was full of cat hair the bits of cardboard from the scratchers.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.5 -
I loved my robot hoover but it wasn't really up to WattyDog and the amount of debris and coat hair he sheds. I did take it to my rented place and it seemed to find some loose glue or resin that gummed up its bristles. The ex wanted it (not knowing about the gummed up bit) so I let him take it. I knew it would ever cope with the hay and sand and dog hair here but they are really good fun and so easy. It is like having a well mannered pet
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!3 -
Someone I work with had a robot hoover that mops as well. It’s very clever, he showed me the app he uses and where the robot had been on its travels. It looked like a toddler had scribbled all over it!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 #1246 -
I hope you coped well with the visit to the hairdressers. A haircut is always a nice boost for self esteem (unless of course it's a horrific haircut 😉. I remember as a 9 or 10 year old having my very long hair cut to shoulder length and I hated it. I seriously contemplated staying in my bedroom til it had grown again 🤷♀️)5
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I remember having very long hair as a 7 year old & asking for it all to be cut off because I had nits again & again as an 11 year old for the same reason & as a 13 year old as I had changed school again, I lost. My hair is now generally shorter than my DSs. Isn't it nteresting how our younger years shape us.
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Hope the hairdresser visit went well"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
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