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Prosperous & Creative Soul Year 4
Comments
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The cleaner sounds about as committed to cleaning as I am 🥴4
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Thanks Blackcats, Jessy, TG, CCW and Beanie
She was even slower at cleaning than me. It did motivate me to tidy for an hour this morning before I started work and then later to hoover. I then discovered she'd hoovered up the cord from a hoodie and not unwrapped it which is why even the hoovering she did was ineffective. I fixed it.
My kids would have done a better job at 10 than she did. It was truly shocking. Even the front room she only hoovered the middle square but not next to the sofa etc...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/255 -
Is it worth contacting the cleaning company to discuss? I don't think I would be happy paying for that service!Mortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!3 -
And me, but at least I'm free!Blackcats said:The cleaner sounds about as committed to cleaning as I am 🥴
"Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
That's pretty shocking about the cleaner!"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 McGee1
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I always think about my hourly rate ... and then still dont cleanSandyShores said:
And me, but at least I'm free!Blackcats said:The cleaner sounds about as committed to cleaning as I am 🥴
I want a cleaner but whilst I can justify it I am trying to get this deposit up .. however I am perfectly fit, do have a bot of spare time (which Icould choose to use wiser) plus dont have animals any more which helps. Plus my robot vacuum/mop is helpful though its suddenly got a wobbly wheel
SORRY she was so ineffectual SHDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest3 -
Thanks BH30, Jwil, LWAP and Sandy.
I spoke to the agent. They only talk to the cleaner and criminal check them. They don't test their skills. If they get 3 bad reviews they let them go. I have another to trial Wednesday.
I am on a mini break. Lovely pub b and b. See DS and his partner at an arboretum shortly. Excited. Need to finish getting ready. Want to plan my year and schedule more regular meet ups as we're not the best at catching up by phone. I am due to see him the week of my birthday in May but want to schedule in other dates too. He lives too far away for casual meet ups.
I also caught up with other family yesterday. Sick relative holding their own but looking increasingly frail. They get their nect scan results this week.
Made quite a bit of art this week but nothing else since Sunday on my new business. I have had the realisation I have 23 months until I need to remortgage so starting new business ASAP could pay dividends particularly if my main job and any PiP eligibility/funding changes. You often need 2 years of 'books'.
Have a good week all.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/255 -
Enjoy seeing your DS. Food for the soul.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.2 -
Enjoy your weekend away "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 McGee1
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Glad you are able to spend quality time with DS and their partner. Good idea to get your next meet ups scheduled in.3
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