📨 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
1128129131133134239

Comments

  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good idea to go into town with DD.  Hope it 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
  • beanielou
    beanielou Posts: 95,614 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good wee idea to go into town with DD. 
    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.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Sandy, Beanie, MF, Merlin and KK

    Wise advice on not getting sucked in on the phased return - harder to do. Monday will be couple of hours getting my computer working again, probably resetting passwords, reviewing emails etc. Tuesday I have a meeting I need to join for a couple of hours. Wednesday and Friday doing half days - and I've been asked to update a report asap. Off Thursday to recover. Then hopefully increase my hours the next week.

    Merlin - given their age I doubt my parents will change much - but the handyman said he was shocked to see how badly I was impacted by the visit both before and during - and said I looked worse than at the height of my illness and pain which probably says it all.

    Thanks for the reassurance on both DD and the patio door. It's good to see progress. I've got a date of early June for fitting the door so looking forward to that. 

    Today I was wide awake from 5am so got up about half an hour later. I then went back to bed for 3 hours after the cleaner and handyman left.

    The cleaner did 4 hours and made a big difference. She seems lovely, young and fit and was happy to climb up to clean windows so very impressive! Nice to have a clean floor in the back L shape in particular. She seems to be a keeper. She very nicely said it's time to replace my hoover and suggested some options - which given the handyman keeps having to repair it is fair enough but I'm still stuck in the paralysis of choice. I loved her friendly assertiveness.

    The handyman removed the blinds in bed 1 and 2. Unfortunately there was a strip of really black mould the width of the metal strip. I sprayed that - and it's improved but not gone. The cleaner also wiped it down in bed 1 before doing the windows. Need to spray bed 2's strip again. Thinking of moving the roller blackout blind from the lounge to my bedroom but it will need cutting down to size. The handyman repaired the roman blind in bed 1 so it may be salvageable - but I had to spray that too as it had black mould on the seams and towards the bottom. The bed 2 blind had a little black mould (now sprayed) but looked like it should recover. Not put that back up yet - and even if the handyman does - I'd want it moving further away from the window to reduce the likelihood of the mould recurring. He's hopefully back next Tuesday afternoon. Got the windows open and the air purifier back on in my bedroom.

    I nipped to the Rng3 earlier to get a couple of curtain poles (one for the lounge and one for the patio doors) and a couple of sets of curtains and a couple of small blinds. They only have a 14 day return policy though so I need to make my mind up what I'm keeping quickly and return the rest. I'm likely to return one blind and one curtain set.

    The handyman collapsed the seller's kitchen table and reassembled mine which is narrower and shorter - so that space is now more usable. We slid the glass top back on it - making full use of the castors on my desk to move it into position. He's taking the old table and surplus cardboard to the tip for me. He collapsed a double wardrobe and put it in the garage ready for DD. He adjusted the shelves in one of the remaining wardrobes so it fit my boxes better. I have 7 vivid pink matching 1kea boxes with lids - probably from 20 years ago - but they still look good. 5 will be on show for now as I'm giving DD 2 wardrobe doors - but that leaves me a door short. He also drilled holes in my latest plant pots. It had been the handyman's special birthday yesterday and I gave him a joke pressie and made him a card and he seemed touched.

    I still need to go through all the bedding and then take the surplus to D to recycle or rehome via charities. That accounts for most of the surplus items displaced from the wardrobe shuffle. They would fit in the ottoman - but I'm trying to only keep the best stuff - and let other stuff go promptly. Wish me luck. Listened to a bit of Dana to motivate me yesterday!! Will listen to some more I'm sure over the coming days. 

    It's been a gorgeous if cold day outside so it's typical that I've ended up inside all day. I was too exhausted earlier to do anything. Hopefully I can do a bit of pot planting after this.
    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
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
  • 16.2K 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.