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Prosperous & Creative Soul & MFW Year 3
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Well done on getting the discount"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
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Thanks DIA, Beanie and Jwil
Between the optician and the holiday being MSE saved me around £170.
My step count has dropped since coming home but I gave it a boost today at Powis. I adore their gardens. Stunning. Not sure if I'd been there before or not. Exploring NT places within an hour or two of where I now live. Had an amazing time. I had no idea they had such plant variety there. Stopped at a new pub to me on the way home and had a lovely meal too. I had some showers but then bright sunshine.
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 29/7/258 -
Stunning photos 🤩
Powis Castle was always one of my favourite places. Haven’t been there for years though … 🤔😊
KKAs 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.4 -
Thanks KK. Really enjoying my new camera phone too - it is a lot better than my previous one. The image colours seems sharper and brighter.
It's going to be such a shock to the system going back to work tomorrow. At the same time though I do feel nurtured and renewed so hopefully I can go back and make a difference. I contacted the handyman and he seems to be struggling currently so may need to make other arrangements for some things. It's frustrating as I want a new blind fitting (need to order first) but I can't do it and if he can't I may need to ask BIL to come over and do it. I'm trying to be independent though... I did find someone else's number a while back I'd try them before BIL but failing that...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 29/7/255 -
I was just watching and old gardening show called Gardens from Above about Powys. I really want to see the giant yews4
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Amazing pics and glad you had such a good time
what’s your new phone ? The colours are greatDON'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#latest3 -
Lovely photos again!"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
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Hope your first day back at work is not too bad, lovely photo's and fab to have a holiday to look forward too really soon.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#latest3 -
Thanks LWAP, WD, Jwil and TG
Phone Glxy S24+
I've now booked my stays for my trip. I went via a cashback site for 3 nights which in theory means I should get 20% cashback - I'll believe it when I see it but if that happens it would be great and would release a sign up bonus for me and whoever originally referred me. This is on top of my main hotel booking. I may travel to the airport by train - and get a disabled person's railcard as I think that would be less stressful than the recent parking debacle. I've booked an airport hotel as I have another 4am check in. You'd think I'd learn but it appears not so far - ah well it maximises the time at my destination! My return flight is much nicer. Again my learning for next time would be to take the last flight back of the night before.
I've asked DS if he wants to come and cat sit part of the time and use my home as a holiday base. Will see what he comes back with. If he does - or if DD does - that could save me some £. I'm also hoping to go down and see DS and his partner before I go away. He has a spare bedroom now so may be able to do it without paying for an overnight stay which would be even better.
I need to log on and start work. I've been up since around 7.30am which is early for me. Thankfully I seem to be losing weight easily again. Not felt as hungry recently. Just need to avoid falling into bad habits once working again.
I picked up some cheap cat food from the corner shop last night - and after initially snubbing it he's now eating it which is a relief. I'm trying to avoid the shops given my current holiday spending.
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 29/7/254 -
Lovely photos SH
A bit out of my way, but not impossibleI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4
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