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Prosperous & Creative Soul & MFW Year 3

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  • jwil
    jwil Posts: 21,904 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    More progress made, well done!  Good you are finding time for art too.

    "If you can dream it, you can do it". Walt Disney
  • beanielou
    beanielou Posts: 95,503 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the cat 🐱 
    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 forumteam@moneysavingexpert.com. 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.
  • TallGirl
    TallGirl Posts: 6,203 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So pleased kitty is back home it’s such a worry when you can’t find them. Last time I lost one of mine he’d opened the stow under the bed and I’d shut it to avoid tripping over it not thinking he’d crawl in there. 

    Glad the head feels clearer and you’re able to enjoy your art. Keep going it’s hump day today b
    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

  • skint_spice
    skint_spice Posts: 13,400 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    All sounds very positive, excellent!
    Mortgage OP 2025 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • You're doing well and the snug sounds a delightful area for dinner parties.

    Be guided by your handyman with some of the works and who knows, maybe he's got a larger range of experience than indicated.

    Kitty is having an adventure and gaining confidence.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I'm sorry you have people in your life who can't just let things be and be happy for you.

    Another vote for French doors instead of patio.

    Your cat is sounding out the area. New adventures. They came home last night so that's a good sign.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks KK, Beanie, Jwil, BM, Skint, MF, EH and TG

    Cat stayed away - and hasn't returned yet today. I went for a walk at lunchtime and put some cloths that would hopefully smell of the house outside but it's not back. I've put a note on FB about the cat but no takers. I'm due to go into the office tomorrow - so doubly worried... In some ways the no response on FB may be a good sign.

    I spoke to a neighbour at lunchtime about possibly fixing the wall and about having access next week for the roofer which they were fine with. I still need to speak to the one on the other side. I also nipped to the local PO and have now returned my router and posted a get well card. I saw a poster for a local WI so rang the number but they now only meet in the day which isn't really practical. They have a weekly craft session but again that's in the morning. She was very excited at the thought of a new member - but implied most of theirs are dying off. I'm kind of thinking a bigger group might suit me better - unless they are all like that?

    I finished work early. I went and talked to the local carpet place. If I chose something from them - screeding would be around £1250 he reckoned. He thought it was highly likely it would be needed with the age of the house and said ply wouldn't really do the trick. They had tile style wood effect flooring don't know how best to describe it - but I didn't really like how any of that looked. It would also be dearer than what I chose originally and their underlay was also a few hundred pounds dearer. They are having a 25% off sale at the weekend but it is unclear what that will include or what they are using as the base price - as some of the products already had 10% or 4 for 3 type offers.

    I've bought 2 blinds at £30 each for my work from home space and the landing - which hopefully can be trimmed by 5mm to fit. I pulled down the WFH space blind as I've sprayed it with anti-mould stuff a few times but it keeps returning. I've now repeatedly sprayed around the recess - which has improved the mould - but it's not gone. Will try again another day. I daren't look too closely at the blind in my bedroom... I have those dehumidifier gel type things in each of the upstairs rooms now. Downstairs seems fine - it is upstairs that isn't. I'm hoping that once the rotten fascias and leaking guttering and the rotten 1m strip of felt on each side are replaced that it stops being a repeat issue. It should improve it at least.

    I've done a load of washing - and that's now drying upstairs which probably isn't helping the moisture situation - but I need to know if the handyman can resolve the dryer or if I need to replace it so not a lot of choice. 

    I didn't really have anything in I fancied eating - so ended up with 3 slices of garlic bread with cheese followed by pancakes. I did try cooking some corn on the cob - but they tasted weird so didn't end up eating them. I only had yoghurt at lunch and only ate half my porridge this morning. I have had a cream egg and a couple of biscuits - but not ideal. My new freezer is tiny - and I apparently thought I needed peas and ice cream on 2 separate occasions since moving in and have bought them twice which hasn't left a lot of room for anything else!! Ironically I've not even opened that ice cream yet. I get paid tomorrow - so will organise more food at the weekend - but I feel I'm wasting quite a bit of food currently as I'm not eating it quickly enough before it expires. The downside of cooking for one. I have CG veg soup left -but I ate so much of it over the last month or 2 I can't face it today. It's still in date for another 10 days or so.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 7,598 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sending smelly, sticky, unpleasantnesses to the inside of the footwear of the unchosen criticiser! Bah! 😉

    Yaay for cat returning and gallumphing around in the rain - my cat comes in sopping wet too. Don’t think she got the memo that cats don’t like getting wet! 😉😂

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £236 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. 
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