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Prosperous & Creative Soul & MFW Year 3

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks KK and WD

    Trying not to pressure on myself. Rearranging the floor fitting date to December effectively gives me 2 extra weeks to get it done - where otherwise I'd need to be ready a week tomorrow. The asbestos removal guy couldn't do it before anyway. So I have 3 weeks roughly. I've spent quite a lot of time decluttering when DD and her BF were here  I am making progress on my house just (always) slower than I'd like.

    Dealing with noisy workmen is also quite sensory overloading - as well as the social side so that is also leaving me drained as they are still in the very noisy and messy excavation stage.

    Today I've done the dishwasher and kept the counter clean. I still have spare cube 'slots' I just need to decide what to rehome into them. I also have shelf space. I'd fallen into the classic trap of piling stuff in front of the storage rather than in the relevant slot which was very counter-productive. I've also been over-buying art stuff - but it has a siren call.

    I did a good piece of work today which I needed for a meeting tomorrow and got input from the right people which boosted my confidence. 

    Self care wise I managed a shower which was positive. I've been to the chemist and got my prescriptions. I succumbed to a takeaway but wasn't impressed with it. It just lacked flavour and the texture was very wrong despite its high rating locally. So I've found another takeaway that's not worth the effort / cost - I may not even eat the leftovers. Tomorrow I have my counsellor again after work.

    I just needed a rest today after work so did a little art although I squeezed a tube of paint too hard and it ended up both in my hair and on the rug! I painted some things in irridescent paint as well as a couple of clay things I'd bought with something that dries and looks almost glazed but stinks and is ultra sticky. Thankfully that isn't what I got in my hair. I'm going to have to rinse my hair a little though when I go upstairs.  
    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
  • KajiKita
    KajiKita Posts: 7,714 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I did think having the workmen around might be hard going. There is an end in sight though. 

    I see Awesome with the work task! 👏😊 Well done and I hope the meeting goes well today. 

    It sounds like you are having Adventures in Paint … 😉😊

    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. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks EH - it sounds a good strategy but rather a lot of retraining would be required - as I don't even tend to see mess until the doorbell rings and then it pops out at me!! I also tend to be either struggling to focus or hyper-focused on my main activity and don't notice much around it until I've finished. Lots of half finished art projects and forgotten drinks and meals along the way too. The house is improving which is the main thing.

    I saw the builder earlier after I sent them an email summarising the changes and where we are - and they are going to work Saturday but believe they will finish on time (end of next week). They are still mainly working in the back. I've offered to move some things inside temporarily if it helps clear their work area - and they'll look at that tomorrow afternoon. 

    I've done slightly more hours than I though this week so hopefully my boss will be happy. I've produced the most important stuff. 

    I've added some shop bought oyster sauce to the takeaway and it's better. Shouldn't be necessary though!
    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
  • Yes - you're not wrong about the retraining I suspect - I'll report back! It certainly would make a massive difference to the way I deal with things if I can get to grips with it though, so I feel it's worth a bit of effort! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Blackcats
    Blackcats Posts: 3,892 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    You are busy, busy, busy.
    hope your sleep pattern is improving.
  • So much going on, and you are definitely going in the right direction.  It will all get easier as every time you have something fixed or changed it improves. But I know from experience it feels like one step forward two back and you wonder if it will ever finish.

    I've just got a few areas in my house to declutter but I've been ill for a couple of weeks and those areas have just gathered clutter and dust like a magnet.  Its given me renewed energy to sort them out, so that next time a blip comes it won't be so bad.  
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • You’re doing really well SH, progressing so many things on so many fronts is so tough. Home improvements are such a slog at the best of times. I’ve got workmen in at the end of the month so this is providing a timely reminder of how hard it is and that extra care strategies will be required.
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • Watty1
    Watty1 Posts: 6,838 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    You are doing really well (I've just caught up)
    @EssexHebridean - that is a lovely plan but I think it only works if you are clear to being with.  I'm good in some rooms where I have death cleaned the clutter away that it is so easy to just whizz round but others like my dreaded "tack room" which is really a dumping ground for everything I can't even get in there!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
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