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Prosperous & Creative Soul & MFW Year 3
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skint_spice said:Happy new diary!beanielou said:I challenge you to get the fridge freezer and the bike up for sale before the end of the month!!
I am at the hairdresser in the morning but after that I will do photos and list at least the fridge freezer. It needs a quick wipe first and stuff removing from on top of it. DD needs to give me a target price on the bikes before I can list those.lucielle said:Ooh good one @beanielou Fab news on the handyman. Enjoy your new art products.L
The cube unit went to someone else so will keep lookingAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £176.1K Equity 32.26%
2) £3.2K Net savings after CCs, Garage (£1.4K), Holiday (£1.2K) & Art course (£2.9K) + materials
3) Mortgage neutral by 06/30 (AVC £17.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 23.3/£127.5K target 18.27% updated 4/4
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.4K 13/3/25
6) Home improvement in 2025 £1.4K 4/4/25 (Poss £2.8K to spend)2 -
savingholmes said:Baileys_Babe said:That is very good news regarding your handy man being willing to come and work at your new house.TallGirl said:Good news about the handy man if you have professionals move you then you could get him to help you put things in order afterwards like reassemble or assemble furniture and move things around. There might also be stuff you want doing immediately to make the garden safer.Spending on stuff you want and then using the voucher for food makes sense. You've earned with hard work so do spend it. I’ve only ever got a voucher once and I spent it on some golf clubs that I still use. It always reminds me.
Thanks for the vote for guilt free spends. I struggle not to beat myself up even though I will meet big savings goals this month and next."If you can dream it, you can do it". Walt Disney3 -
Think it’s great you invested in more art supplies especially as you can afford them and they toward your new art space !DON'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#latest4 -
Subscribed to your new diary.
You can draft the PoA and register it yourself, no need to pay a sol to do it; feel free to message me.
I must have missed it when you said the new house is upsidedown. That's a great benefit with views, assuming the lounge faces them.
Great news about your handyman too, it's worth paying a little more when you've bonded with a tradesperson and know their work.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Having some funds for guilt free personal spends has been a revelation for me. I probably spend less and definitely spend more thoughtfully from my personal spends budget. I think before I had a narrative which included
1. "I never spend anything on myself" even though I did ;
2. "I deserve this it doesn't cost much" ;
3. "I deserve this it costs a lot but ...." refer back to number 1 aboveSo now I have my monthly spending pot and thoroughly enjoy using it without justifying to myself how or why I'm using it.However as the adverts say at the end very, very fast - terms and conditions apply - mainly "once it's gone it's gone".
this month I used some of the money for a facial which I thoroughly enjoyed.
you are achieving savings goals which are part of your bigger life goals. Enjoyment, creativity, fun, self care etc etc are all part of your holistic goals too. Keep enjoying your art - you have a talent to nurture.5 -
Happy new diary. Hoping this will be an exciting and wonderful new year for you.Mortgage start date Dec 2015 - $64,655.00
Mortgage end date Dec 2045 - NOT!!!!
Mortgage balance - $4600.00
Business Savings $43,310/100k
Hope to be mortgage-free by end of 20236 -
Happy new diary! Look forward to following you in this next chapter, wishing you every success with the move 🍀💕5
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Thanks Dancing, Jwil, MF, Lady, Leigh and Blackcats
I got to sleep at gone 2am which was frustrating as I have to go into work today and so need to start earlier. Still need to dress (and leave within 5 minutes). Fair to say I think I'm going to be late (again). Just emailed the manager.
I had a dream as I was waking up this morning that I was thinking of getting a holiday caravan - and in my dream I was saying to myself, 'No need, I'm buying a house with a view of hills.' Looking forward to that but the legal and mortgage offer process seems to be going on forever.
Not listed the FF yet.
Blackcats - I have a personal spends pot - but adjust it up or down each month depending on what's going on. I had originally planned to cut back massively in response to the move - but given I'm due to get backpay next month - part of me rebelled. I also find it hard once I've started shopping even for legitimate things like gifts to then rein in the spending in other areas.
Done another portrait of DS this weekend and amended DD's slightly to be more realistic colouring. I also played with my new pouring paint on three hand sized panels. The bottles are tiny but I liked the effects. Still debating whether to send any of the stuff I bought back.
I managed to burn myself yesterday by reaching for the wok and missing the handle - forgetting I had pre-heated it. This led to an hour of agony before I managed to get cream and a dressing on - and very slow improvement thereafter. I caught two fingers and a thumb so not great would be an understatement. It's these kind of incidents which put me off cooking - and why when I do cook I try to batch cook as it reducing the frequency of cooking & therefore the associated risk.
MF - thanks for the offer on the POA. It's another of those jobs that prompted by this site I intend to do - just haven't done yet. Hopefully I can look at it over Xmas.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £176.1K Equity 32.26%
2) £3.2K Net savings after CCs, Garage (£1.4K), Holiday (£1.2K) & Art course (£2.9K) + materials
3) Mortgage neutral by 06/30 (AVC £17.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 23.3/£127.5K target 18.27% updated 4/4
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.4K 13/3/25
6) Home improvement in 2025 £1.4K 4/4/25 (Poss £2.8K to spend)5 -
Oooh hope the burn heals quickly.LTotal 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 #1244 -
Ooouchy. Hope it heals soon.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
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