Prosperous & Creative Soul & MFW Year 3

12467124

Comments

  • The burn sounds painful and hopefully will ease soon.

    Would a f0rman grill type thing work better for you and potentially be a lower risk.
    Mortgage started 2020, aiming to clear it in 2026.
  • savingholmes
    savingholmes Posts: 27,234 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Thanks Beanie, Lucielle and MF

    I do use. GF grill for some things although I occasionally also catch myself on that.

    Got to work late but their previous meeting had over run so was ok.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • I am finally caught up (didn't even realise you had started anew). What I find with cooking is that it is such an unpleasant sensory experience that I avoid it. And that avoidance is there even when I'm trying to cook. But that being said, I have seen the impact of losing those types of skills and so it is on my list of things to seek help with. 
    If you have bandwidth at some point after the move, occupational therapy might help if you can access it.
  • savingholmes
    savingholmes Posts: 27,234 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Thanks WD
     
    I'll consider after the move. My issue yesterday was distraction and forgetting it was already hot. My fingers and thumb blistered but it's not too bad today. 

    I've just bought myself a B*tm*n fluffy jumper at HB for £16 in the men's section. It's really warm and cosy. My budget's slightly shot - but short term issue so will leave some things on the CC until pay day and clear then but still send money into regular savings accounts on the days I'm allowed.

    Tonight's job is try to turn the lounge back into a functional room rather than a mix of artist studio and elf workshop/warehouse! I've started Xmas wrapping - 2 items of many. Just waiting for my tea to cook. Hopefully no more incidents today. Used oven timer for part and microwave to reheat the rest of the meal.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • Humdinger1
    Humdinger1 Posts: 1,886 Forumite
    First Anniversary First Post Name Dropper
    Found your new diary @savingholmes and have subscribed.   Such an exciting time and you are making a brilliant job of it.  Love Humdinger xx 
  • savingholmes
    savingholmes Posts: 27,234 Forumite
    Name Dropper First Anniversary Photogenic First Post
    edited 28 November 2023 at 10:00PM
    Thanks Humdinger

    Work was okay today. Was working from home. Owe a little bit of time again. Struggling to get up in a morning after poor sleep so that's not helping. I put the heating on at least a couple of hours ago but the house is slow to warm up. Lounge is still only 15 but hall is 19. Just put my new hoodie on. Felt lots warmer immediately - but need an equivalent for my legs!! I may go and rescue my eleccy throw from the other room - I've been resisted as I may make some art and would rather not get paint on it.

    Caught up with a sister by phone this evening. I wrapped 4-5 people's presents yesterday and moved the bags upstairs. Now need to carry on. I know what I'm getting my Dad now - so think just my Mum left to find the right gift for. She loves orchids so that's always a good fallback so not overly concerned.

    Another parcel arrived today - 20 different colours of irridescent paint. Need to consider how best to use them as they are great as accents but not so good if used all over. I tested a colour on a mini portrait painting I had done and felt it wasn't quite what I was after. I could see me using it on surfaces that are meant to be reflective but need to be be sparing elsewhere. I may paint over it with more matt paint and see if any of the sheen then shows through on other layers. Just experimenting. 

    I painted over a section of DD's portrait the other day as I had drawn hair covering part of her neck but it looked wrong - I now need to go back over it with the right colour. Not sure if that will be tonight or not though as I don't want to get paint on my new jumper! 

    I decluttered a load of OOD meds into a bag on Sunday - need to take it to the chemist next time I go. Today I got rid of some older pens. Just trying to do mini layers of decluttering. It all reduces how much there is left to pack and ensures I only take with me genuinely useful/beautiful items. I'm also throwing a picture I made away as I don't like it enough and it can't easily reuse it as I'd also stencilled it.

    I've cleared down most of the two CCs currently in use. I should be able to clear one entirely at the end of this pay period but the other I'm not sure I will have enough as I'd prefer to leave a float in my account. It depends whether I stick to my budget for the next two weeks or not - and if I manage to avoid refuelling. If I do - then I should be able to clear both but may leave it until the day before pay day to be sure. I have just sent £400 to savings.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • KajiKita
    KajiKita Posts: 3,579 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Could you use an old towel over your blanket and a big old shirt over your clothes to protect you from paint? They could become part of your painting kit and could always be to hand when inspiration strikes 😊

    Its frosty here and I realised that I am getting cold legs (even with knee high socks) so I am sat under a blanket now before going out to deal with my frost covered car! 

    KK
    As at 17.03.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £255,571, end date brought closer by 2 months  
    - OPs to mortgage = £5,965, Interest saved £2,124, to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 12 books of target 52 in 2024 (as @ 9th April)
    Produce tracker: £10.90 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • savingholmes
    savingholmes Posts: 27,234 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Thanks KK

    I have dedicated painting clothes aka ones I've already ruined - I just lacked the energy/motivation to change into them last night. I did a tiny bit of painting of skin once the room warmed up enough as I took my new jumper off. I think I caught the cuffs of an older jumper recently though doing something similar hence my caution.

    I was good on the medical life admin front last Friday. I got a GP appointment for today - so need to hurry up and shower and get dressed and start work ready for going there later. I've booked a blood test for next week and a meds review for January. Yesterday I did my monitoring form on my new meds and they've agreed to let me have the better meds back - I'm just waiting for them to arrive. That should improve focus and concentration and hopefully kickstart my weight loss again. A few pounds have crept back on in recent weeks (I had a lost a stone - now it's more like 11 pounds since starting the original meds). I got to sleep after 2am again which isn't helping - but I don't know how much of that is the meds and how much is bad habits that have formed recently initially due to the meds.

    My cleaner has been having car trouble recently - hope she is okay to come today. I'd almost cry if she cancels again as I need her to restore order. Getting a new cleaner will be a high priority after moving! I'm planning to ask her to bring a 3 drawer plastic unit downstairs and then put some of my art supplies in it that are currently in use in the lounge. That would make a big difference to the state of the room but still allow me to see what I have as it is see through. We'd empty the bathroom related things in it into a wooden unit in my ensuite. It may also encourage me to let more of the toiletry related items go. Even those go out of date after a while if not used up quickly enough.

    Right I'd best make myself move. All my current work is boring which isn't helping with motivation. Catching up on all the things I didn't do during my peak work period.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • lucielle
    lucielle Posts: 10,702 Forumite
    First Post Name Dropper Photogenic First Anniversary
    Fingers crossed on the cleaner front. 
    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
Meet your Ambassadors

Categories

  • All Categories
  • 342.9K Banking & Borrowing
  • 250K Reduce Debt & Boost Income
  • 449.6K Spending & Discounts
  • 235K Work, Benefits & Business
  • 607.6K Mortgages, Homes & Bills
  • 172.9K Life & Family
  • 247.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards