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Prosperous & Creative Soul Year 4

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  • TallGirl
    TallGirl Posts: 6,226 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I am very much in the camp of paying someone to do something to avoid stress and often the need to buy the tools to do the actual job. You just have to find the right balance and prioritise what you need. 

    It is a shame it did not work out with the cleaning maybe you could try again to find someone who is not from an agency. I would ask the neighbours as often they like working close to home or several together to avoid travel. 

    Garage doors are a pain and the electric ones are so great. I have seen some that close up and down instead of up and over they look like ideal and save space inside too. 
    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

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    replacement garage door is also on our agenda at some point and I don’t even want to know the cost. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Blackcats
    Blackcats Posts: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    How lovely to read that you feel happy and that your plans and actions are contributing to your well-being.
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Blackcats. 

    Having something that feels in my control helps. I have focused this week on trying to resolve things that nag at me. Eg. I have bought a usb mug warmer as otherwise my drinks constantly get cold. It's due to arrive tomorrow.  I also have a joiner coming to quote.

    After my day job I designed a potential logo for my new business.  I'm focusing on branding in this coming week.  I am determined to create new, ideally passive income. I want to take at least one action every day that moves my vision forwards. I don't want to lose momentum so plan to have mini launches / trials of different ideas.

    I had a go at t-shirt designs this evening. They can be entirely passive income once uploaded. I used a design site I already know well and can then in theory upload them to Am and other sites and they do all the rest of work for me. I'd then get £1-2 per item sold. 

    Watch this space. Have a lovely weekend. 
    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: 7,752 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    This is all sounding really good. Well done on the logo and the tshirts 😊
    I like the idea of aiming for one action per day that moves your vision forward - I will be ‘stealing’ this 🤩

    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 = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 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. 
  • beanielou
    beanielou Posts: 95,638 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Exciting times ahead. 
    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.
  • Alchemilla
    Alchemilla Posts: 6,252 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Wow you are a hard person to find, I have missed TWO of your diaries. Sounding like great progress in every sphere though.
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