Prosperous & Creative Soul & MFW Year 3



  • savingholmes
    savingholmes Posts: 27,324 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Happy new diary!
    Thanks. Glad you found me.

    beanielou said:
    I challenge you to get the fridge freezer and the bike up for sale before the end of the month!! 
    Thanks Beanie.

    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. 
    Thanks Lucielle. I am very excited about the art supplies. Most should arrive tomorrow.

    The cube unit went to someone else so will keep looking 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.7K on 0% spends card but offset by £34K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • jwil
    jwil Posts: 19,065 Forumite
    First Anniversary Name Dropper Photogenic First Post
    That is very good news regarding your handy man being willing to come and work at your new house.
    Thanks I was relieved. I will probably ask him to come asap and change the locks as well as help get curtains up etc. Failing that I have asked my cleaner if she can help on moving day. It should make things less daunting.

    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 TG. Yes I could get him to do something with the terracing as I'm not sure it's secure. Help moving stuff around as you say would also be fab.

    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 are meeting your savings goals, then even less reason to beat yourself up, enjoy your items!
    "If you can dream it, you can do it". Walt Disney
  • Think it’s great you invested in more art supplies especially as you can afford them and they toward your new art space ! 
    There will always be a (beautiful stilettoed) foot in fabulous in LaPlan's life.
    I am choosing to be fabulously frugal to support some wonderful life changing and affirming financial goals including buying a London home I love.

    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’t really hack your way to frugal. You can and should take advantage of discounts, coupons, rewards points, and the like. 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.

    My March  streaks to track
    Track Minimalist game  items (Nov 310)   (Dec  95)  (Jan 90)   Feb 50
    Exercise streak  
    YNAB days:: Target 50 days -Age of money 29
    Track my NSD's - Target 13 days/ 0/13
  • lucielle
    lucielle Posts: 10,719 Forumite
    First Post Name Dropper Photogenic First Anniversary
    Oooh hope the burn heals quickly. 
    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
  • beanielou
    beanielou Posts: 90,186 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    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 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.
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