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Prosperous & Creative Soul Year 4
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TallGirl said:That is such an impressive improvement in savings and off the mortgage well done even if there was a bit of fritter.... £40 AS** delivery pass we can add most things in there...
Sounds like you are really cracking on with your side hustle... As for the art versus money and financial journey I think the best thing you can do it do what you are comfortable with. It might be trial and error but you know you write really well. I am sure you can transfer that over as not everyone likes video's and reels blogs are still interesting too or am I just too old.
Good luck with your website... I chose a different domain name this week that resonated with me more - I can switch the hosting package to that - or even cancel the original one in the first 30 days. The first domain name was free so no real loss there. What I found in trying to create a logo for the original one - is that it was just a tad too long and a bit of mouthful. I've gone for a shorter one now that reflects me better. When you pick a domain name - remember while stuffing your name with search terms can be good - it gets irritating as an email address etc...Blackcats said:I agree with @TallGirl. I like reading things too. An article which is really attractive to look at because it includes some of your art would be something I'd like to read.jwil said:I'm another that prefers to read than watch videos. Are you putting subtitles on your videos as well?
Financial update is goodLadyWithAPlan said:savingholmes said:I think I've given myself that invaluable quality of hope!Hope gratitude and seeing the joy in every moment of living really makes a happy daily life.Glad you moving forward with your creative side hustle - sounds exciting !
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 -
WelshmansDaughter said:Sitting down and thinking through all the rules you have as an Asd person is eye opening. The ones you’ve picked up from other people, the ones you use when masking, the ones that make sense to you…I felt SUCH a sense of guilt last summer for buying a new dress at full price … But it gave me soooo much joy, once I finally ‘stepped off the cliff’ and bought it …
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 = £11,816 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.4 -
Sorry for all the diaries I've been neglecting... I will aim to catch up over the weekend.
I was paid this week so another £1K went to AVCs. £25 has gone to Savings. I've asked Am to let me return 6 items - so need to take them to the post office tomorrow. I think only one has to be boxed... That should give me £60-80 back.
The electrician quote came in at £400 and I'm hoping to go ahead as soon as he can fit me in - which he reckoned would be about a month. I will need to buy a couple more lights for £42 but he'll supply the other materials if they are more than what I bought previously.
The joiner came but no quote has materialised so I think my job was perhaps bigger than he expected.. I'm reluctant to chase - it is a bad sign if people don't quote promptly after a visit and I want to minimise any withdrawal from savings and his delay could help me spread out the costs. If he doesn't come back to me - I still need someone though. Just remembered - I asked on FB last week and haven't checked for replies!! Doh!
I had counselling yesterday and then I went to the life drawing group yesterday. I loved it. Everyone was super friendly and pleased to see me. I had a good time - but was exhausted afterwards.
I've done more work on t-shirt designs this week - trying to develop a brand identity, I'm trying to work out an appropriate launch & on-going business budget and also minimise/balance legal risks. I may pay for financial reporting help - as that was my biggest stressor when I tried to do this previously. I may also pay for mail forwarding again to minimise the risk of people turning up uninvited...
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 29/7/254 -
KajiKita said:WelshmansDaughter said:Sitting down and thinking through all the rules you have as an Asd person is eye opening. The ones you’ve picked up from other people, the ones you use when masking, the ones that make sense to you…I felt SUCH a sense of guilt last summer for buying a new dress at full price … But it gave me soooo much joy, once I finally ‘stepped off the cliff’ and bought it …
KK
That would be a worthwhile exercise to do - thank you. I have considered it in different context pre diagnosis - but not really applied an ASD lens to it... Will definitely give that a go.
Have a good weekend all. Thanks for all the support as ever.
KK - I remember you twitching about it - but thinking - why? Only for DD to point out recently how much I do it!! It is easier to see things in someone else than ourselves...
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 29/7/255 -
savingholmes said:KajiKita said:WelshmansDaughter said:Sitting down and thinking through all the rules you have as an Asd person is eye opening. The ones you’ve picked up from other people, the ones you use when masking, the ones that make sense to you…I felt SUCH a sense of guilt last summer for buying a new dress at full price … But it gave me soooo much joy, once I finally ‘stepped off the cliff’ and bought it …
KK
KK - I remember you twitching about it - but thinking - why? Only for DD to point out recently how much I do it!! It is easier to see things in someone else than ourselves...
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 = £11,816 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.5 -
Mine is eventually buying the expensive thing but then treating it like an unexploded bomb.
it eventually gets used months later5 -
WelshmansDaughter said:Mine is eventually buying the expensive thing but then treating it like an unexploded bomb.
it eventually gets used months later
KK - I agree on the shared wisdom too.
Just had sausage, beans and mash. Proper comfort food...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 29/7/255 -
I’m totally with you on the sale items I’m the same. I do try and find it new on Vinted first but if not I’ll buy it. You are right it gives such joy.Sounds like you’re making great progress in finding the right trades.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#latest4 -
Enjoy wearing the new clothes.LTotal 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 #1244 -
Thanks Lucielle and TG
I've just booked a holiday back to the Italian place I went to last year. Very excited. I've booked via TCB - so hope to get some cashback. I've done a flex deal so I can cancel up to 30 days in advance - or change my booking to allow for a family health situation - that wouldn't be covered by insurance as it is 'known'.
I am going to make myself go out today and get some balance... Then I want to go back to working through my business idea and ideally make some art and do some decluttering over the weekend. The two aren't very compatible unless you could using your supplies as decluttering which I will!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 29/7/254
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