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Prosperous & Creative Soul Year 4

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  • KajiKita
    KajiKita Posts: 7,782 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Happy cat! 🤩❤️

    Those beds are starting to look really good 😊 Good news on the cleaner - I hope she is as handy as she seems to be 🤞

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 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: 95,667 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the cleaner.  
    That wee face. 😻
    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: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Great news of the cleaner hopefully this one is long term sounds like she has started you off on the right track on decluttering. Lovely puss looks so chilled. 
    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

  • lucielle
    lucielle Posts: 11,512 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you’ve got a cleaner and hopefully she’s a keeper 
    L
    Total 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 #124
  • Blackcats
    Blackcats Posts: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    I hope the cleaner helps - fingers crossed she continues to be an asset for you.
  • doingitanyway
    doingitanyway Posts: 10,008 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
     Garden looks great
     Your cat looks so happy!
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    The art course sounds amazing but hopefully you have a IRL element with your other courses 

    yeah to the cleaner
    DON'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#latest
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks LWAP - yes will continue in person drawing groups where I can. 

    Thanks KK, Beanie, TG, Jwil, Blackcats, DIA, Lucielle. Cleaner's due back next Tuesday. Let's hope she shows. She may even re-wire my living room sockets which would be amazing... The joiners still haven't come back to me - so it looks like I need to learn some joinery skills and tell myself it's for 'art'!!

    Garage door being done tomorrow. I went into work yesterday and made the mistake of not eating lunch and then shopping on the way home. £91 spend later (target 40-50 a week)... Should have stuck with deliveries. I got a lot of yellow stickered meat and other items dated today - so a lot of that is in my freezer so unsure how 'bad' it was really. I made a slow cooked lamb casserole - and had some after breakfast this morning!! I want to start earlier than typical today as I worked a shorter day yesterday as I had travel time to and from my official base... 

    Did some Italian this morning in bed. I also want to try and start doing a daily walk... If I start slightly earlier - then I can have longer breaks too... Will see how it goes. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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