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Prosperous & Creative Soul & MFW Year 3
Comments
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Happy Birthday savingholmes, Wells looks lovely."Think of many things, do one"
Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga3 -
Thanks KK, Sandy, Lucielle, Crystal, WD, Beanie, Skint, Watty, Four seasons and Sunshine
I had a fantastic day out followed by bowling as planned. DD dropped off some flowers afterwards too.
Will post some photos shortly. I saw a heron which was lovely too. KK - I'm not sure which bits are new - and although I did more of the circuit than I did last year - I'm not sure I saw everything despite being there for over 4 hours... I sat down loads too. The storm damage from a few years ago was less obvious - but I couldn't tell you what they'd added. There were signs up saying other renovations were planned in various places. There also felt like there were more rope barriers than normal forcing you down certain routes. I don't know whether that was because it was super busy...
The tree ferns were I think new. The upper lily pond I don't remember- from previous trips but its water lilies were more spectacular than the longer pond below. I love going this time of year. It was a much shorter trip from here than it was from where I lived before so I am hoping to go back more frequently at different times of year. I always try and do a 'pilgrimage' there around my birthday as that's the season where I think the place is shown off to best effect - but I have been other times of year too and been pleasantly surprised. I joined NT again today - so will need to make a list and work out where else to go. The weather was the perfect temperature. I was lucky too - as it only started raining as I was preparing to go out bowling - where the original forecast had said there could be rain while I was still at Bodnant but that didn't happen.
Really appreciate all the birthday wishes... My parents gave me the £ for the waterfall I wanted - so I bought that after the bowling! There are already external sockets so I am hoping it will be straight forward to plug in and get working. DD gave me a metal incinerator/fire pit and the flowers. DS said I can buy my fave flowers and he'll send the £.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/255 -
Gunnera
Heron
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/256 -
How lovely your photos are, you have a real eye for a picture
Happy birthday, it sounds like a lovely day. 3 -
Happy birthday @savingholmes! Good times ahoy love Humdinger xx3
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Yes, it’s the upper pond that is the new bit. I haven’t seen it yet 😊
Glad you had such a lovely day and happy for you that so many of your presents will bring your garden on. The birds will love the waterfall 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 60 books of target 52 in 2025, as @ 30th October
Produce tracker: £426 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.4 -
Lovely photos! Wells is lovely.
Belated Happy Birthday! Glad you had a good day and Bodnant looks stunning."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 McGee2 -
Brilliant photos. Sounds like you had a lovely day.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1243 -
That makes me want to go back to bodnant. All I remember are the trees3
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Thanks WD, Starlight, KK, Lucielle, Jwil and Humdinger.
I'll find a picture of the upper pond and post that too then. It was utterly gorgeous yesterday and I had fab weather. It's rained a lot today which would have been far less pleasant.
Had a productive day so far for work. I had an early for me meeting which is kind of nice as I'll be able to finish earlier.
I updated my finances last night and today so now need to be good. I am still going to buy a video bell for my back door though which would be around £100. I'll wait and see if there are any sales around the bank holiday before purchasing but because I have a key safe it would make me feel better.
My cleaner seems to have been sacked for being unreliable so they are looking for a replacement for me. I had a gut feeling she wouldn't last. They should offer me a partial refund though - but I'm not sure my payment went through yesterday anyway so not over worried. They are due to ring me back this afternoon as they rang when I was in a meeting. If there's a gap in the cleaner coming that will save me £. I definitely need to actually get the robo vac out of the packaging. I'll do that now and put it on charge and then there's a fighting chance I'll do something with it later.
I'm behind on everyone's diaries...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/256
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