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Prosperous & Creative Soul & MFW Year 3

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Comments

  • savingholmes
    savingholmes Posts: 29,208 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Really thrilled with increased stamina but expect I will ache all over tomorrow.i can feel aches anyway despite 2 lots of ibuprofen. I think I will be fit to return to work a week tomorrow. Here's hoping anyway...

    I've been paid which means £450 has gone to AVCs. I've just paid the handyman £425 but that included £175 for stair rail materials.

    Haven't been able to complete my £ shuffle as one of the sites is down for maintenance. Once the £ is in the right places I plan to send £200 in savings to my new ISA and by stoozing on my 0% CC send an extra £500 but full disclosure that will increase my balance to close to -£3K however that is just under 10% of savings so trying not to stress. (Snoozing to earn 5%+ interest while cashflowing future building work).

    Still awaiting builder's quote.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • jwil
    jwil Posts: 23,619 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you got some sleep and parents visit goes 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
  • lucielle
    lucielle Posts: 11,891 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the parents visit went well and you enjoyed the time spent with them. 
    Love doing power washing, very satisfying. 
    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
  • TallGirl
    TallGirl Posts: 6,551 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sounds like you are making lots of progress in the garden. Pressure washers are great for getting instant results but also hard work and very messy with the mud splattering everywhere. 

    Sounds like you are getting lots of lovely plants do make sure you get something for all seasons garden centres seems to have the ones in season out the front so it is tempting to buy all the pretty ones. Sowing from seed is a lot cheaper or look out for MSE offers on plants I have had a few and they are excellent value you just have to keep potting them up as they are tiny when they arrive. 

    Hope you manage to pace yourself after the short night.
    Moved to Denmark for FIRE by Aug 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

  • skint_spice
    skint_spice Posts: 13,761 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope you manage to get a decent night’s sleep soon🙏
    Mortgage OP 2026 £980/2000
    Mortgage balance: £31,407

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
    Jun £120

    Summer challenge £120/300

  • EssexHebridean
    EssexHebridean Posts: 26,072 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I do love a bit of pressure washing but I confess I'm hesitant to do our patio because of the mess aspect! I did make a start on scrubbing some of the slabs with a stiff brush but that was extremely tough work for very poor results - it definitely does need the force of the pressure washer really I think. 


    🎉 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
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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