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Prosperous & Creative Soul & MFW Year 3

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  • doingitanyway
    doingitanyway Posts: 10,015 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Once again, I love your photos. The land is very special. 
    Glad the delivery driver could help
    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
  • KajiKita
    KajiKita Posts: 7,795 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh that class sounds really promising 😊 Look forward to seeing the output too 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 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. 
  • jwil
    jwil Posts: 22,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That sounds great about the art class!
    "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
  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great you’ve put feelers out to meet new people, it’s not easy. 
    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
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Lucielle, KK and Jwil

    I may post some art on here - but it is unlikely to be art also shared in class to help preserve anonymity. I did a small drawing in my journal which I shared in the class social group - but the teacher then made public observations - of what I should have done differently and I'm not sure how comfortable I am with that. However I was feeling really sensitive today so probably over reacted.

    I started work slightly earlier today but ended up taking an hour lunch so still finished too early. Will try and log on earlier the rest of the week to compensate. I didn't end up going in - and I'm glad I didn't. I pulled up some weeds and did some watering at lunch as I was worried some of my pots were bone dry. It was glorious sunshine so I will need to top them up again. It was good to get outside but unfortunately I got nettled a few times on my palms.

    It sounds like I may not know much more on the work situation for a month or two. If I get past age 55 and get made redundant - and I keep p1p I'd be fine financially as I'd get on-going pension and could use savings if needed to help bridge any gap. If I go before age 55 and they alter the terms to be the minimum it's a much worse financial position - especially if p1p also goes either as part of my own current review or the wider review. So many unknowns it's frying my brain. I'm grateful I didn't go ahead with the garage conversion and instead kept a full EF for now.

    A specialist medical appointment to discuss scan results for a family member has been brought forward to Thursday so we're on tenterhooks for that. Someone else in the wider family has a 'routine' op next week. I struggle to separate myself from all that due to ASD... Everything feels like it's happening to me - rather than the other person. It makes being around / hearing others' stress more difficult.

    I need to focus on what I can control. Tidying. The garden. Art. I need to batten down the hatches on my spending, send the max I can to pension and as Beanie says just keep plodding. Glad I've got my holiday booked as something to look forward to - but it's £ I might not have spent if I'd known about this beforehand. That said I think all but £350 is cancellable for another 2-3 weeks but I want it more than ever...
    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
  • beanielou
    beanielou Posts: 95,677 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I think you need the holiday more than ever.
    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.
  • KajiKita
    KajiKita Posts: 7,795 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I think the holiday is important and as you’ve said the garage is on hold for now. 
    Sorry to hear about the further stress of a family member needing an op - it all seems to come at once doesn’t it ….
    Perhaps you could ask the art teacher not to give you public correction in future but do it one to one? 

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 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. 
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Agree that you need the holiday more than ever to look forward to and you do have the EF for emergency reasons.
  • Blackcats
    Blackcats Posts: 3,898 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Is it worth checking the exact terms of your pension if you are made redundant post age 55.  Does your employer make up your pension to retirement age?  Just wondering whether putting more into AVC's is of benefit in that situation or whether during the uncertain times it is better to focus on more cash based savings.  
    Might be a good idea to chat to the art class teacher to explain how you prefer to receive feedback.
    Agree that your holiday is a worthwhile investment in yourself! 
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