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Prosperous & Creative Soul & MFW Year 3

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  • jwil
    jwil Posts: 21,904 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the visit went well.
    "If you can dream it, you can do it". Walt Disney
  • Humdinger1
    Humdinger1 Posts: 2,293 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    edited 16 April 2024 at 9:04AM
    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 
  • lucielle
    lucielle Posts: 11,505 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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?
    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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • 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!
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 16 April 2024 at 3:46PM
    "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 1/4/25
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  • beanielou
    beanielou Posts: 95,503 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
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