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Prosperous & Creative Soul & MFW Year 3
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More progress made, well done! Good you are finding time for art too.
"If you can dream it, you can do it". Walt Disney2 -
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.3 -
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 bSave £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#latest4 -
All sounds very positive, excellent!Mortgage OP 2025 £6000/7000Mortgage 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)3 -
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 31/12/2029.4 -
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
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I remember the stress of the first time letting the cat our after a house move...glad yours had the common sense to come back without too much drama!
As for the comments people "might" make - I honestly suspect hat they will be too blown away just looking at your views. If they really did prioritise critical comment over that, then I would personally be questioning how closely I wanted to keep them in my life to be honest.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her7 -
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 29/7/252 -
EssexHebridean said:I remember the stress of the first time letting the cat our after a house move...glad yours had the common sense to come back without too much drama!
As for the comments people "might" make - I honestly suspect hat they will be too blown away just looking at your views. If they really did prioritise critical comment over that, then I would personally be questioning how closely I wanted to keep them in my life to be honest.
On the people commenting - unfortunately it's the people we don't get to choose who seem to want to make the most offensive comments... not being more explicit on a public diary...
My lights arrived while I was out earlier - and were left on my doorstep in the rain - with the label on the tracker reading 'handed to resident'!! I was too worried about the cat to open it but will now.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 29/7/256 -
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! 😉😂
KKAs 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.4
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