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Prosperous & Creative Soul & MFW Year 3
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Today I've ordered a new sliding patio door for £1.6K. Paid 50% on my 0% card - the balance to be paid by the day after fitting - which is likely to be end of June / early July. I've also been to Mr A and got more compost, a couple of standard lavenders and some cleaning supplies for the cleaner tomorrow. I meant to buy laundry detergent but forgot. I did pick up some food and some milk.
I was wiped by the time I got home again even though I wasn't out very long.
I'm hoping later this afternoon to get back out in the garden. Ideally I need to do some tidying before the cleaner comes...
Have a good day all. Really enjoying the views living here and seeing lots of birds flying around. I hear the birds most days as I wake up which is lovely.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 29/7/255 -
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 McGee2
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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.3 -
Just lost a post...
Thanks Beanie and Jwil.
I've agreed a phased return plan and priorities with work.
The patio door place - I'm getting a slider - has agreed a date at the end of the first week of June so really pleased with that. I need to update my finances soon as I've spent a lot over the last few days. Still no quote from the builder but he did say it could take him a couple of weeks. I was hoping he'd be quicker though...
This afternoon I've potted up one pot and added a trailing fuchsia, petunia and begonia to an existing hanging basket at the front. I've also taken a few of my forget me nots from pots I brought with me and moved them to others pots.
Ideally I want to unpack and pack the dishwasher. Still need to tidy bed 1 and 2 - or at least make the windows accessible as I want them cleaned. Tidy the L shape enough that the floor can be thoroughly swept/hoovered and mopped etc. I have some empty crates I can chuck things into if necessary. Some of what is making bed 1 untidy - is the quilt etc I plan to put in bed 2. Other stuff should fit in the ottoman. It's just I'm feeling exhausted. My legs feel like jelly - which I think is a side effect of the ADHD meds - as I was full of energy this morning. I also want to fit in a shower...
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 29/7/256 -
I've agreed a phased return plan and priorities with work.
Please stick to it & don't get too sucked in
Hope the cleaner can work magic tomorrowI 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.5 -
Good to hear about the structured return to work. Hope it’s gentle on you.Great news on the patio door 😊
Enjoy your trip to town with DD. I like the strategy of going with someone else first.
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 = £11,816 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.5 -
Sounds like you're making progress! Empathise with the annoyance over annoying parents - disheartened to hear it won't get better once I hit my 50s though. Even if they're pointing out potential pitfalls because they care, it's so hard to have any shred of positivity examined under a microscope for flaws.
But, your rules under your roof!
Hope the trip into town goes well, and echoing other people to say to be mindful the phased return is actually phased.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20255 -
Good luck with the review.
Plants and potting up are coming along.
DD has come a long way in a very short space of time. Hopefully DD taking some of the unwanted items will make things easier for you.
Stick with the phased return, even if you feel you can do more, reduce it if it's too much.Mortgage started 2020, aiming to clear 31/12/2029.5 -
I was just about to say the same, DD really has come a long way. Shame about the car, but great that she has it sorted, and lovely to be able to help her with spreading her specs payments.
I did a double take at the cost of the patio door, but checked back on the slightly wide pedestrian door and a window we had fitted around 2021 and it was £2340 - so your patio door seems really reasonable. You're doing a great job."Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga5 -
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 29/7/254
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