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Prosperous & Creative Soul & MFW Year 3

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Lucielle, Blackcats, MF and Sandy

    Well I paced myself yesterday BC as I finished early! I have felt exhausted this week - but that's partly family stuff. I've also been totally overspending. Hopefully June I can get back on track. Still need to post my pension form. £450 has gone into AVCs today. £25 goes to savings tomorrow. It all helps. 

    Lucielle - I need to pop in the most local shops more. I did get a leaflet through for a different handyman but it feels disloyal.

    Birdsong woke me up briefly at 5. It was utterly beautiful so I forgave the wake up call.

    I found a journal from nearly 3 years ago - where it listed I needed a place with a view, ,bird song and listed this place among 3 places I'd consider moving to. Just watching a robin on my two apple trees - even the one I bought bare rooted is now flowering - it then moved to the filled the coconuts to eat. I sprinkled some meal worms earlier and a blackbird is now collecting those. I'm going to download the Mrln app that some people mentioned on another thread so I can identify the birds in my garden more. I saw some type of tit at my seed feeder yesterday too.

    I currently have London's burning saxifrage in flower down my back garden wall and an orange geranium that I didn't plant. I have lots of red and pink azaleas in flower and rhododendron. Pink geranium in flower. At least 6 purple / purple and white aquilegia that came with the garden plus ones I brought with me in pots - a lot of which are a burgundy or deep pink. My beesianum pink jasmine is starting to flower. Feeling blessed by the garden even if a lot is still in pots rather than in the ground.

    Still need to get dressed and do a money shuffle to feed my different accounts. Best crack on!

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • doingitanyway
    doingitanyway Posts: 10,007 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Glad your garden is generating joy  :)
    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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks DIA. Lots of rain and hail here today but still quite bright out. Because I've been working from upstairs - I get to see the landscape / cloudscape change too so even that is interesting... 

    The pet sitter popped around for a meet and greet. She seemed absolutely lovely. She's going to pop in on Sunday and Monday am for £10 a time. She was great with my kitty - I showed her where the key safe was. I'll leave extra food and water out just in case something goes wrong - but hopefully it will work out and if it does - it could free me up for more trips. I hate the idea of catteries and my cat doesn't seem to like them so hopefully he'd be happier at home with a human popping by to coddle him and give him attention. Sometimes I may be able to get DD to step in but this weekend she is also due to be away.

    I've chased up one person on the help with the review for the third or fourth time. I don't want them to use all my extension period though and stress me out by being last minute.

    I've changed into clothes I don't mind getting paint on so I'm ready to play! I bought a white raised plaster type picture of dandelions Monday evening and I want to see if I can use acrylic pouring to create an interesting background. I also started a different picture a few weeks ago which I want to carry on working on. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 7,769 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    The art project sounds intriguing and the cat sitter sounds lovely - lucky cat 🐱 🤩😊

    KK
    As 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: £276 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. 
  • beanielou
    beanielou Posts: 95,659 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Cat sitter sounds fantastic.
    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.
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you've found the cat sitter and hope you enjoyed the art!
    "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
  • skint_spice
    skint_spice Posts: 13,434 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Cat sitter sounds great, I wouldn’t like to stress mine by sending her to a cattery.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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