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Prosperous & Creative Soul & MFW Year 3
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Glad the parentals visit is done and went well and the comment from the handyman shows how effective organising systems are! 😊
Hope you slept and that you enjoy planting up your pots today 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £236 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.5 -
Glad the visit went well."If you can dream it, you can do it". Walt Disney2
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Glad you're feeling so much better @savingholmes. I know you know this, but the tidiness of your house is no business of your parents. Absolutely none; you have done brilliantly. I wonder if they ever acknowledge that. Onwards and upwards love Humdinger xx4
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I bet you’re glad the visit is done and hopefully your stress levels are going down.Your handyman sounds like real gem! Is it this week you try out a cleaner?
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 #1243 -
Thanks KK, Jwil, Humdinger1 and Lucielle
I slept better other than the howling gale kept blowing my back gate despite 5 bricks attempting to hold it in place. It was even tugging at my ill fitting garage door.Humdinger1 said:Glad you're feeling so much better @savingholmes. I know you know this, but the tidiness of your house is no business of your parents. Absolutely none; you have done brilliantly. I wonder if they ever acknowledge that. Onwards and upwards love Humdinger xx
All being well the handyman is swapping the two bed frames between rooms today and then assembling them. Excited. I can then get bedroom 2 set up and check out what bedding I have - and what I want to put in my ottoman bed and what I need to let go of altogether. I may list some bits on Olio to see if anyone wants them - otherwise the D bedding type shop has a recycling facility.
I am hoping to do the garden today KK - so very excited about that - planting pots first - and then if I have the energy doing something with the bare patch at the front so that I can plant some wildflower seeds. Prompted by TG - I'll also look at what other annuals I could sow from my seed stash.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 29/7/257 -
Jwil and Lucielle - grateful the visit is over. Yes my new cleaner is due for 4 hours on Friday - so hopefully that will get things like the floor deep cleaned and then see how far she gets with the rest. If I like her - she's then due back for 2 hours a week.
£25 has gone into savings today - I think I'll sent £25 early from another account too. I don't know if I said - but I'd wildly miscalculated how much I could send to savings this month - so sent £400 to the ISA yesterday - not the £700 I thought might be possible. To do that however I'll need to put around £450 on a 0% CC.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 -
Everything's sounding great with the house progress - and your garden must be looking amazing with all the plants. Really glad you're feeling so much better! And very satisfying to be able to spend on the house/garden and still be sending good chunks of money to savings.
The parental visit sounded stressful - you have (to me) a strikingly clear vision of what you want in life/your house etc, so it's a shame they can't see that!3 -
"But I want that life for you" - "I understand that, and know and love that your life makes YOU happy, but it wouldn't fit me in the same way, and so wouldn't make ME happy" You don't want to be unkind, but there are ways of refuting things like that without being nasty about it, just underlining that in much the same way as your life-choices might not fit/suit them, theirs don't fit/suit you either!
As you say - at the age you are at they shouldn't still be telling you what to do, or indeed making you feel as though you are being told what to do. Better to make a clear statement, then draw a line in the sand and be able to move on, rather than just letting things rumble of and leaving you dreading the conversation?🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
Sorry to hear about the bed delivery experience, sadly, more businesses are turning to drop off only. Those who offer assembly, fitting, removal of old tend to charge an extra fee for it.
Seems like whatever you would have done, your parents would have found something to nit pick. Let it bounce off with a shrug and 'whatever', don't dwell as that's them continuing to exert control in your personal life.
All the plants will transform the outside areas, providing the vibrancy and visual appeal you're after.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Sorry to hear about the parentals. Your mortgage, your home & your life. Hope the handyman has worked his magic.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.4
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