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Prosperous & Creative Soul & MFW Year 3
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Thanks Beanie, BM, Skint, WD and DIA
I've given in and ordered a cordless stick of the sealife variety. I'll let you know how I get on. For anyone considering it - Am**** is well priced - but the manufacturer's website will give you 10% off if you sign up for their newsletter. Because the Am**** deal was so good - I only saved about £12 in practice but still better than nothing. A lot of people say the battery life is poor however - so be mindful of that. An extra battery is around £80 and for the one I've just bought it's out of stock!! I still need to unbox my robot...
Totally agree on the RS comments... Idiot!!
WD - the C1111t b*ng spray is pretty good - it needs a few applications but it has seen off the black mould in bed 3 - and in that case I just sprayed and didn't rub. Bed 1 is pretty clear now after spray and being wiped down. Bed 2 needs more spray.
DIA on the fleas - I've done my best to banish the cat to the back L shape or outside and removed soft furnishings from that area. I then sprayed the hall, lounge, landing and bathroom with anti flea stuff and started a great washing mountain of cushions and blankets. There are even some washable mats in the hall I need to sort. Not much more I can do until Monday when the vet reopens. I'll then try and take the cat down and get its microchip read - and then I can update my address.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/254 -
I'm utterly exhausted from going out with DD and her BF earlier. We went to Primarni and I got two black zip up (mens) hoodies - one for £9 (very soft) and a smarter one for £18 that was a bit more like a lightweight jacket. I also got some new makeup as I plan to throw most of my cheap stuff away I've had it (and not used it) for so long.
I haven't found my spending off button yet either - probably due in part to the 0% spends CC - it's less painful than withdrawing £ from savings. I think returning to work will help though.
I've ordered more of my fave shoes. I went on an outlet and a pair I bought for full price last year was half price etc... I got 3 pairs of trainers from that site. I also got 2 pairs from the main site - as they had special member deals and it was free to join. This is unusual for me... I'll let you know what they are like when they come.They had free returns - so it's possible I may return some of them... One of the two main pairs of trainers I use though is wearing out at the heel so would need replacing soon regardless.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/254 -
I wouldn't worry too much about a spare battery. I never even thought of one. Mine was only a cheapo as I wanted to see how I coped & it has done a whole house of whoops I haven't vacuumed for a while without a problem.
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I have a cordless s###k and tbh the battery lasts long enough for me to do the whole house a few timesSealed pot challenge 822
Jan - £176.66 :j4 -
Thanks BM and Dawn I couldn't sleep all night so made art from 3 and watched the dawn.
Below is an early version of my art. I did 4 journal pages and wrote on them what they meant. I was playing with a stencil for the eyes, nose and mouth using brush pens and then experimenting with soft pastels to try and get rubbings of the washers.
I've had half a breakfast and my ADHD meds and I'm hoping to finally sleepAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/255 -
Love the art, especially the second orange and purple one 😊
Hope you are getting some sleep now.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 37 books of target 52 in 2025, as @ 23rd July
Produce tracker: £223 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.3 -
Love the art. Hope you get some sleep."If you can dream it, you can do it". Walt Disney2
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Thanks Jwil and KK. I got a couple of hours. Hopefully I will nap in a bit!
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/257 -
Love the art.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 -
Why is it every time I come on here I'm always out on the limb by myself?
Please, somebody else vote for a Henry before I start having playground feelings lol5
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