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Prosperous & Creative Soul & MFW Year 3

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The good news is that the chest of drawers was empty apart from a few bolts for a nearby dismantled cupboard. I've therefore put those safely in a see through sandwich bag. I think I'll just ask the handyman to come - which I know I said I would over the Xmas break but I've not called him in practice yet. Once I have a fixed date - I'm thinking of asking him to come the following day after my move as well - and that way hopefully work through a list of jobs for me - including changing all the locks.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Finished early again as I've felt totally exhausted all day. Even tho I did 3 negative c19 tests when I was ill - apparently I could still have had it which together with the house stuff would explain the fatigue - or it could all be house related I don't know. On tenterhooks while I await for all three parties to confirm the date.

    I rang the handyman earlier and he said he'd call round but hasn't yet. I'm trying to be really strict with myself on the letting surplus items go before the move. Don't want to take a load of 'delayed decisions' with me when it isn't necessary. Really hoping I feel brighter tomorrow. I have a meeting 'first thing' by my standards - but will then have to leave part way through to go to the dentist. Best to get it over with before I move. Should be just a check up all being well.

    I bought milk when I posted stuff earlier - but ideally I need to focus on clearing down the fridge and freezer and if at all possible avoid/reduce how much I spend on food between now and whenever I'm due to leave. I don't want to end up with lots of waste. Today eaten porridge, CG veg soup and having macaroni for tea. I ought to eat some mackerel but not feeling it. May eat that tomorrow but if I don't will have to bin it.  

    I feel sleepy - and did yesterday too - but daren't nap as then I wouldn't sleep tonight. Frustrating... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
  • TallGirl
    TallGirl Posts: 6,314 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hope you perk up soon but moving is stressful so go easy. Getting rid motivation is good. Those bikes will free up loads of physical space so should give you a real boost once they go. 
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • jwil
    jwil Posts: 22,507 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you feel better soon.   I'm always exhausted when I've got a high mental load, so it's probably a combination of illness and that.  Do what you need to to get yourself through.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • lucielle
    lucielle Posts: 11,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the handyman makes it and you have a better day tomorrow. 
    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
  • KajiKita
    KajiKita Posts: 8,515 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I agree with the comments about the tension of wondering if the house is okay or not, especially after that @rse covering survey 🙄😉 and then finding that it is, has led to a bit of a mini crash. That on top of having been ill and having a very busy head (moving is always tough) means I’m not surprised that you are feeling wiped. 

    As others have said, cut yourself some slack. Glad you have some time to work alongside your cleaner - you will make loads of progress and enjoy the time as well 😊

    Loving that there is too much sparkle ✨- didn’t think that was actually possible ….? 🤔✨🎉🦄🧚

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 60 books of target 52 in 2025, as @ 30th October 
    Produce tracker: £426 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. 
  • TallGirl
    TallGirl Posts: 6,314 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sounds very organised glad it is all coming together and you are looking after yourself. Shame about the handyman but hopefully soon so you can make some inroads into things. 
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

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