We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Prosperous & Creative Soul & MFW Year 3
Comments
-
With you on the frustration.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.4 -
Those sunset images are beautiful 🤩
Could a neighbour help with the grass box assembly?I wonder if, as well as doing the financial forecasting, it would help you feel a bit more in control if you updated your CV or gathered details of the work you have been doing lately - I always find,it easier when I am actually in the job rather than writing it up after.Sending hugs for all the stuff landing on you atm.
KK xAs 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.5 -
The other option is not to attach it and rake up the grass. If you are stopping to empty it you are task switching which can drain your energy faster. Unless of course, it’s a pattern you’re accustomed to. #asdfun3
-
I agree that the change is so unsettling. It's the fact that even if we survive the chop, we lose long standing colleagues and things won't be the same as they were before."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 McGee3
-
SandyShores said:I love my macbook savingholmes. It’s my second one, and I used the 12 months interest free option directly from apple. But I'm also everything apple like ladywithaplan so I'm slightly biased. You've reminded me that I do need to get around to selling my old one, as they always seem to keep some resale value.
I always buy their near top of the range .. yes not cheap but unlike their phones the battery etc last
I have an Apple Watch so I have to run a iPhone (this is where I could easily switch to Samsung etc) and AirPods that are 4 years old and great
I did have an iPad but haven’t committed to that spend again in years and part exchanged my old iPad on a purchase deal
I believe someone (Vodafone?) taking in old electronics for charity - or Apple will always take their old devices and wipe them
the food forest sounds lovely but yes I think get yourself job sorted first - you don’t need the stress especially at the momentDON'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 -
Thanks Beanie, KK, WD, Jwil and LWAP
The fruit devices are a whole new eco system - and while I can see they offer benefits - especially for art - unless someone was willing to give me one to one training on them I think I'd find them frustrating too. I'm leaning more towards the Surface as it can operate like a tablet but has the full functionality of a laptop. However, my laptop currently works so will stick with tis for now. (Trying to repeat that like a mantra). I've also tried to say to myself - review again around Black Friday. Hopefully by then my job situation will be clearer and it would make me practice delayed gratification which there hasn't been enough of lately!
The view here is stunning. I watched misty clouds with almost downspouts work there way across the sky Saturday afternoon brining rain with them. I need to do more locally to make myself settle and explore here. Going for that drive Friday night helped. I need to get out more. One of my orchid's is flowering again - a huge white flower the size of the palm of my hand! That's something to be grateful right there. I want to continue doing things in the garden this week.
I'm a very messy person - and have created mess in the living room with the lawn mower stuff that's not yet assembled, the kitchen with empty boxes and the back garden with planters and pots scattered all over the small over-grown lawn as I empty things to put into the longer term new raised bed area. I've created half the raised bed bit along the back wall but belatedly realised that would limit any access to the upper terrace - so trying to resolve the upper terrace before I finish setting up and planting the lower one.
Tonight I have my art class - and need to work out exactly where I'm going before hand and will need to finish work early. I also need to find where I put my sketchpad and pencils as I've not used them in a very long while. Hopefully I'll meet some friendly people and start to find local friends.
I woke up in the night worrying about who was going to look after the cat while I'm away. I have offered family members the opportunity to stay here while I'm away and look after said cat but it's currently looking unlikely. I need them to commit one way or another and then make arrangements. That will be more £ to spend if none are willing to cat sit however which is unfortunate.
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 29/7/253 -
One of my raised bed areas created a while ago plus some plants on my cat house
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 29/7/256 -
A delivery driver just put the lawnmower box together for me. Fighting chance of putting the rest it together later and getting it out of my front room!
Really struggling with concentration... May go into the office tomorrow to help me focus and have mutual support.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 29/7/256 -
Lovely photos. Lovely of the delivery driver to help out!"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
-
What a lovely delivery driver.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.3
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards