📨 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
1136137139141142239

Comments

  • TallGirl
    TallGirl Posts: 6,222 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Love the colour of those trainers. Sounds like the handyman is so much more but I agree with the others use him wisely. Gardening can wait until the priority jobs are done, gardeners are cheap to come by if all you need if for them to rip things out. 

    Good luck with PIP I can imagine how scary it is but it sounds like you are on track to submit everything. One good thing is you get your renewal looked at before more changes are being made to make it even harder to get. 

    Get that stuff returned and maybe hold off any shopping trips by just writing a list or keeping pictures of what you would like. Then once you know if you need it (ak blinds cannot go back up) then go and buy it. 

    Take it easy with work they will soon have you back full time otherwise. 
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks TG

    I got my prescription list from my old doctor's yesterday so that will help. Struggling to get my ADHD meds issued currently so trying to resolve that. 

    I have had builder's quotes for parts of the work. Screeding the floors was as expected. The taking down the wall part was £800 more than the ball park he gave me when here - so 50% higher. His driveway quote was horrific and a lot more than other quotes I've received - close to double. He's said he'll send me the quote for the garage next week. I need more quotes.
    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
  • jwil
    jwil Posts: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Shame about the quotes.  Hope you can get better ones.
    "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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I took a risk last night and ate a bowl of Chinese food including a handful of chips. Thankfully I survived without major pain although I had the odd twinge - I wasn't entirely sure if that was real or my fear!! I have some left so will have some more later but either with jacket spud or oven chips and boiled rice.

    I've completed my first week back at work and it went fine. So agreed to do 5 days next week at 4.5 hours per day. I have an OHU appointment mid week so can always review then if I need to. I could really see the difference in my view between what it was two months ago and how much greener it is now.

    On the ADHD meds - in the end the surgery let me send proof of my conditions, reports, prescriptions etc by email. So they've now agreed to give me meds on Monday. Glad I didn't wait until I was closer to running out as it has taken a few days to resolve. I need to find whatever safe place I put my spare meds in as I'm not sure... 

    The cleaner came. She put fresh bedding on in bed 1 and 2 and then put the surplus bedding and other items vacuum sealed in my new ottoman. She did a great job and the rooms look so much better. It doesn't feel like 2 hours is enough - but that's probably because I'm still using her to help get organised not just clean. She also did the stairs and swept and mopped the back L shape. She was happy I'd bought a new hoover. Her DH is also a builder so I've asked if he'd quote for the work I want doing as the recent quotes I got back were higher than expected. 

    I need to empty a 6 drawer chest as DD wants to collect it and the spare wardrobe this weekend. The chest doesn't have oodles of stuff in but because of how close to the bed in Bedroom 2 it is - the drawers can't open very far.  Some may fit in the bed 2 wardrobe but I may not have enough spare hangers. Will see if any will fit in the chest in my bedroom or the shelves in bed 3.  

    Yesterday I bought an apple tree for £6 bare rooted - orange pippin... At that price I can chuck it in a pot and have little to lose. I also bought some marigolds, busy lizzies and lobelia. Hopefully I'll get those planted this weekend and see what I can redistribute from my recent pot planting into my newly freed up borders in the back garden. Looking forward to that.

    Just ordered a waterproofing spray for my new trainers. Still need to to return the surplus ones. Still need to do a return to D too.

    Have a lovely weekend all.
    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
  • doingitanyway
    doingitanyway Posts: 9,965 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    What lovely, colourful trainers  :)

    Good luck to the apple tree
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,484 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    That's a great deal on the tree!

    Love the trainers, they look a lot like my running shoes (but cleaner!)
    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 2025
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Have a lovely weekend.
    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.
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
  • 16.1K 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.