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Prosperous & Creative Soul & MFW Year 3

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  • KajiKita
    KajiKita Posts: 7,741 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Glad you’re getting a bit more sleep and yaay for the mechanic neighbour 😊 I feel a Christmas bonus coming on 😊
    Hope the dinner is fortifying.

    KK
    As 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: £272 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
    Great news about the brakes. Hope sleep improves / you can get a dr appointment. I love mash as a comfort food at this time of year.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks KK and CCW

    I have taken another half day off. Contacted GP and a specialist today. The latter is writing an urgent letter to GP so hopefully i can get some extra meds. Seeing GP early evening but clashes with counselling so asked if she can adjust appointment. Don't know if i will make it to art / make it on time.

    DD and her BF are on their way to provide some practical help so I will have some company and hopefully reduce the mental load by tackling the mess and outstanding jobs.

    The drive person is calling in tomorrow to chat through what I sent and check measurements etc and may then begin next week!! After signing contract tomorrow. 

    I did the asbestos test before work this morning.  Managed a shower after that but started work very late. I am think8ng of getting a partial sick note.

    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 29/7/25
  • skint_spice
    skint_spice Posts: 13,418 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Goodness next week is quick for the drive but good news.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita said:

    When it comes to stuff/clutter I think caring for Dad really made me look at space differently. I could write down a list of the thoughts that helped me change my perspective if that would be of use to anyone? 

    Yes please 😊

    KK
    I’ll try and extract sensible sounding phrases from my brain and put them on my diary so as not to block SH flow. I’ll tag you 😁
    I have read your diary and I did wonder if you might like The Lazy Genius ideas. It’s a podcast or book
  • Blackcats
    Blackcats Posts: 3,896 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Hope you can get to see the GP and your counsellor - both are very important appointments.  Ironic that the cat's appointment is easier to book than the GP.

  • beanielou
    beanielou Posts: 95,614 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope the appointments go well.
    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: 7,741 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Pleased that the specialist was supportive and helpful. I hope the GP responds appropriately. 
    Would having a partial sick note ease the pressure on you?

    Sounds like the drive contractor has had a cancellation? 

    Do you have a list of what you want DD and BF to help with? 

    Sending hugs, it’s all sounding a bit intense atm. 

    KK
    As 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: £272 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. 
  • Sounds like it is a bit full in just now. Hopefully the picture comes together soon
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