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Prosperous & Creative Soul & MFW Year 3

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Comments

  • KajiKita
    KajiKita Posts: 9,813 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Perhaps talk some of these challenges over with Handyman? He might be able to give you a steer or two, or what not to buy? 

    I am delighted that I am influencing the purchase of morale boosting plants 🌱 😊

    KK
    As at 17.03.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 22 books of target 52 in 2026 as @ 19th March. 
    Produce tracker: £59 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • skint_spice
    skint_spice Posts: 13,706 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It sounds like it has been a good week although obviously exhausting. Remember to take some time to rest, nothing is too urgent now you are in.
    Mortgage OP 2026 £500/2000
    Mortgage balance: £32,595

    Make £50 a month Jan £20, Feb £0, March £26
    Boiler fund £1625/3000

  • KajiKita
    KajiKita Posts: 9,813 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Well done on all the progress so far! 😊
    I”m not sure if I am flattered or worried for you that you are the same as me when it comes to being spendy in garden centres! 😂😂😂😂😉 What I am trying really hard to do this year is to not even go looking, UNTIL I have a gap! So either something has come out or I have ALREADY weeded / cleared the space I want to put something nice in …. Then at least, everything I buy has a much greater chance of getting in the ground and surviving! 😉

    KK 
    As at 17.03.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 22 books of target 52 in 2026 as @ 19th March. 
    Produce tracker: £59 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • jwil
    jwil Posts: 23,292 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It sounds like you are really settling in well.  I'm so pleased for you :)
    "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: 11,766 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you’re making progress but also pacing yourself. 
    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
  • TallGirl
    TallGirl Posts: 6,472 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Really please to read you are pacing yourself and trying not to do everything at once. Plants do have a way to cheer you up as well as make you feel good when you see them in the garden. You do know they say not to make any changes to a garden for at least a year so you see the full season and can decide what you want to change. I was also not a fan of grasses but my garden has loads at the back and now that I have seen them change over a year they are actually really pretty, creates shadows, movement, colour and not least interest in Winter. You might also find the plants from your old garden does not like your new ones so not a bad idea to grow in pots first to see how you get on. If it is a really small bamboo I doubt it is invasive, Google might be able to tell you the type if you do the picture thing on it. 

    Hope getting back to work this week is not too bad at least you can enjoy those views as you work.  
    Moved to Denmark for FIRE by Aug 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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