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Prosperous & Creative Soul & MFW Year 3

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  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Glad you settling in - the swing chair sounds great !
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Jwil - I know I have an impulse buying problem but with clothes it's also that quite a few shops no longer have fitting rooms as was the case at two shops I went to yesterday where I mainly bought lingerie and swim wear. Also if I later find something I like more and I haven't worn/used the item yet - I may as well return it. I also like to test my purchases with my existing outfits and consider how I'd actually use them in practice. I find that easier with the physical item rather than being able to do that in my head.

    I want to go on holiday asap now I've made the decision to book somewhere - but want to also feel 'prepared'. My existing swimsuits are over-sized. I like to have several so there is time for one to dry while I use the other. For a swimming pool I may well use a swim suit but for sunbathing I prefer tankinis - but they didn't have them in the right size in the shop - hence having to order. Again they didn't necessarily have the matching items in the shop I went to yesterday not helped by needing a different size top to bottom.

    The cleaner did 2 hours work today and made an improvement in my lounge especially and some of my kitchen. English is her second language which made things awkward at times but she was hard working. From the sound of it she only wants to work in the house if I'm home so that may be an issue at times. In theory she's coming back next week for 3 hours so we can try and get on top of things. I was very grateful for the cleaning I'd done the last couple of nights as it was bad enough but glad she didn't see the real 'before'!
    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!
    You sound so much more confident in your appearance. 
    I'm glad you are enjoying clothes more too
    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
  • dawnybabes
    dawnybabes Posts: 3,371 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Love a good red bra ! Did you know they are invisible under white t shirts ? 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the cleaner made a difference.  Agree it's annoying that things can't be tried on in a lot of places.
    "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
  • Ha when I was a cleaner I used to get annoyed because she kept her house too clean and it was hard to see what needed doing.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Dawn, WF, DIA, Jwil 

    I have booked a holiday for a few weeks time.

    The sandals I picked up yesterday were squeaky so need to return them.


    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
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Jealous!!! Are you going abroad?  
    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
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