📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Prosperous & Creative Soul & MFW Year 3

Options
1123124126128129239

Comments

  • KajiKita
    KajiKita Posts: 7,714 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I have faint fantasies that if Mr KK was to die significantly earlier than me, that I would get a really radical haircut - something like the singer in Roxette had but with pink and purple in it. It would probably look awful but it would just be so nice to have something DIFFERENT! 😉

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • KajiKita
    KajiKita Posts: 7,714 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    badmemory said:
    Well in the spirit of refusing to grow old gracefully, my hair colour resembles a carrot & I have been addressed as red a couple of times by strange men in the supermarket.  Sorry but I am not going grey, ever behaving my age, going blonde is an even bigger no, dark brown would look like I am wearing a very bad wig.  So ginger it is - until it isn't.
    You sound line a soul after my own heart 😉🤩

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • jwil
    jwil Posts: 21,988 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a good day overall.   Nice to have the breakthrough with the art as 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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Jwil.

    Just had the first half dose of my ADHD meds. Will see what difference they make. It should boost my concentration and productivity. 

    I've lost the 3 and a bit pounds I'd put back on again. I'm definitely on a plateau - need to find a way past it. Hopefully as I get more active that will help.

    Today I'm going to mow the back lawn. Depending whether it starts raining after that - I may see if I can work out how to attach the pressure washer to my hose again. Not used it since June. Even if I only get a small part done it will really make the back look a lot better. I can then work my way around the outside of the house over a number of days. I have a stool I can take outside to sit on when needed so it's not too onerous. I'm hoping that if I power wash the wooden steps up to the lawn it will also make them less slippy and therefore safer for me to use. 

    Then I need to do a mad tidy up as my parents are coming for their first viewing here tomorrow!
    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
  • KajiKita
    KajiKita Posts: 7,714 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Good luck with the lawn mowing and pressure washing 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 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. 
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Don't overdo it!
    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.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.