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Prosperous & Creative Soul & MFW Year 3

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Comments

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Skint

    Other MSE news of the day - I used a £12 off £60 spend at Sains earlier & got their N prices so saved another £10 on top. It all helps. I also got nearly £4 in free £ after the Fee from Sdr.

    I've just made myself do 2 hours cleaning... It barely made a dent but the kitchen counters look nice and a load more stuff made it into the bin. I also unpacked and packed the dishwasher and put a load of washing 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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I also did a @Blackcats and shopped from home yesterday and swapped everything into a new handbag I already had since last summer instead of buying a new one.
    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
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Shame about the concert tickets, but a holiday would be lovely.   Well done on shopping from home, and the other savings :)
    "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
  • Watty1
    Watty1 Posts: 6,866 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    That has reminded me to look out my lovely yellow handbag, or, even the pink one rather than just using the same black one all year. Thank you:)
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the cleaning and washing, it’s a good start. Shopping from home is also good. I’m terrible for just living in one handbag until it dies. 
    L
    Total 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 #124
  • TallGirl
    TallGirl Posts: 6,233 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done on the cleaning you will get there and hopefully the agency finds you are replacement. I found mine via my local facebook group she is excellent and very fussy about who she takes on. I have never used an agency. 

    Garden plants sound amazing hopefully you can overwinter most and get the same display next year. 
    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

  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I don’t use an agency. My lady was word of mouth. 
    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.
  • I too have shopped from home but in my case its my sister's wardrobe I'm shopping in. 
    I used a website when I was advertising as a cleaner, not sure if what the equivalent is down South
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