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Prosperous & Creative Soul & MFW Year 3

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  • MovingForwards
    MovingForwards Posts: 17,157 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    You are doing well. It's not easy packing, clearing yet also buying and selling while trying to maintain your normal life.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • skint_spice
    skint_spice Posts: 13,465 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Progress is progress even if it is slow. You will get there, just keep doing a wee bit each day and more when you feel better.
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks MF and Skint

    Today has been a struggle. I spoke to boss and finished early and went and lay in a darkened room again for a bit. My sole contribution to the move today has been sticking a sticker on xmas decs saying garage and checking out some lights and then deciding against them. I've read some stuff on how moving affects people with my conditions and it is all within the range of normal but that's no consolation when you'd prefer to be more super-human....

    My main achievement of the day was to nil tax my car but that brought a reminder that I'll have to update the relevant gov depts when I finally do move... All adding to the mental load. I also picked up my prescriptions I keep making lists. I was reminded today of the benefits of a gratitude log so here goes... 

    Gratitudes 
    • Family member safe despite nearly crashing earlier
    • Some positive contact with wider family this week
    • Understanding boss and finishing early. Grateful that on days like today when I'm battling exhaustion and overwhelm - I can still see the bigger picture and that this feeling won't last
    • Very nice house now and to come
    • I'm not forced to move like some are - this is a choice
    • The cat seems to have been flea free for a couple of weeks now which is helping our relationship!!
    • Softness of my cat - just found a new toy for it to play with
    • Currently in one of the best financial situations I've ever been in
    • The blessings of seeing my art around me and making art - and the role that will have in making my new place feel more like home. 
    • I discussed a while ago with my counsellor that one of the first things I will do after moving in is get some of my art up around the place so it feels more like home. TBH I do that even when I go away to a cottage!!
    • I've made 3 or 4 paintings in the last few days and while not my best they are bright and cheerful and included experimenting with new techniques / products (I already had). 
    • I've decluttered 3 tubes of used up paint this week
    • Nice food!
    • Cleaner hopefully due to come tomorrow
    • Dentist check up was clear and while I hate going to the hygienist - grateful that a slot opened up tomorrow so I won't need to travel especially for it
    • Some meds that were out of stock now back in stock...
    • Just had a McD's which while not my fave filled a gap
    • Very grateful the seller's of my new house are leaving a dishwasher and TV for free. It all helps. 
    • Grateful I saved paid holiday to cushion the move

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I didn't realise that air**** rewards pays for the Swedish shop - so I've got nearly £19 to come related to that once it clears. Exciting! Love free £.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 8,042 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I've just looked online and one drug I'm on isn't recommended for you with another I'm on. I'll try not taking that tomorrow to see if it helps. Apparently this relatively new drug I'm taking can cause drowsiness. I wasn't taking it consistently before but have for the last week of so - and it's in that week I've felt worse. Let's hope it's as simple a fix as that.
    Ooh, well researched! Fingers crossed 🤞

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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. 
  • jwil
    jwil Posts: 22,204 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the drug switch helps.  

    You only need to keep this hard focus up for a couple of weeks, once you are on the other side you can rest and take your time sorting everything out.   It will all be worth it in the end.
    "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
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