📨 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
1147148150152153239

Comments

  • SandyShores
    SandyShores Posts: 1,970 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks for the reminder re. sunflowers savingholmes.  I think I have some seeds somewhere.
    "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/yoga 

  • TallGirl
    TallGirl Posts: 6,231 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Makes sense to get someone specifically to help you with the non cleaning tasks obviously be mindful not to create too much chaos but hopefully as you get more unpacked and decluttered that will stop or at least become less overwhelming. 

    Hope you have a relaxing weekend. 
    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: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks TG and Jwil. I rang and got extension for report by 2 weeks as my helpers haven't yet helped!!

    Feel utterly wiped today and finished slightly early as brain mashed as worked very intensely this week to meet deadlines.

    I'm going to carry on fence painting in a bit and soothe my brain. I hope to get to a beach this weekend to make the most of the weather.

    I've texted the handyman on his plans but no response yet.

    DD has a special birthday and I belatedly thought of ideas last night to make it more special....but I have left it a bit late as it's Monday and I'm not due to see her then.
    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
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    As the kids get older birthdays and gifts get more flexible, as long as you say something on the day mine don't mind when the present (often cash these days turns up).

    Well done on managing your work deadlines - after a period off its a balance of getting back to normal and taking a bit more of care of yourself
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • beanielou
    beanielou Posts: 95,642 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy the weekend.Hope you get to the beach.
    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.
  • doingitanyway
    doingitanyway Posts: 9,998 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    The beach is a brilliant idea. The beach is always a brilliant idea.
    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
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The beach is a brilliant idea. The beach is always a brilliant idea.
    Agreed  :)
    "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
  • Blackcats
    Blackcats Posts: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Interesting about wearing make up - I think for me it improves my self esteem which in turn makes for more of a general glow.
    I need to refine and refresh my make up collection and narrow it down to products that work for me which in turn will make it quicker and easier to put on make up.

  • badmemory
    badmemory Posts: 9,681 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Since my early twenties I have only ever worn eye makeup.  Ever seen freezer burn on a chicken think of that on your cheek.  Unfortunately to put eyemakeup on you actually need to be able to see your eye.  The only time I regret not being able to wear contacts.  I have always slopped a lot of cream on my face though & alot of other places.  Including my hair before washing.  Cures that stress head itch.
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
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.7K 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.