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Prosperous & Creative Soul & MFW Year 3

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  • skint_spice
    skint_spice Posts: 13,415 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the planting, the garden will be beautiful.
    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)
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 13 April 2024 at 10:11AM
    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 29/7/25
  • Watty1
    Watty1 Posts: 6,838 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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 !!
  • jwil
    jwil Posts: 21,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 McGee
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