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Prosperous & Creative Soul & MFW Year 3

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Comments

  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Good you are feeling better about yourself.
    You've made me realise that makeup is something I have let go since I have been moving around.
    I am going to rectify this.
    Hope your day goes well.
    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 1400/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • SandyShores
    SandyShores Posts: 2,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Well done on the making the returns savingholmes.  

    Another one here who has been neglecting make up.  I never used to wear much, particularly for work - one eyeshadow, mascara, blusher, lipstick - but I'm going to start again as it does make a difference.  I usually add a bit of foundation and possibly another eyeshadow and liner for the evening but need to buy a new foundation.

    Fresh Bedding - always lovely :)
    "Think of many things, do one"
    Mortgage 31 Mar'26 est. £202,600 £309,749 2020 (ends 2038 - aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks DIA and Sandy

    Glad mentioning makeup helped. I don't want to be a slave to it but there are times it helps.

    Sat in my garden having MnS Chinese for lunch. So nice to have actual sun. Below is a dicentra I planted (love lies bleeding).




    Fatsia and variegated Euronymous and hyacinth above and burgundy aquilegia. 
    You can see it's full flower season 

    Lovely hearing birds here. Insects less so even if necessary...

    Hope you are having a good day where you are 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.2K updated 16/1/26
  • MovingForwards
    MovingForwards Posts: 17,178 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Nice interest.
    Glad the resturns are finally on their way back.
    Would your old cleaner be interested in the gig? Assuming she could find a sitter.

    Enjoy the garden, it's looking gorgeous and relaxing.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • jwil
    jwil Posts: 23,295 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely photos!  And great that you are finding yourself again :)
    "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
  • jwil
    jwil Posts: 23,295 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your previous cleaner was more of an assistant rather than a cleaner.  I would imagine that most agency cleaners are expecting to clean and not do anything else.  Is it worth seeing if you can find someone privately so you can set out the sorts of tasks you want help with? I.e. not just the standard hoovering, dusting etc.  Maybe a local FB group would help identify someone.

    That's frustrating about the forms, hope you can get what you need.
    "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
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