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Prosperous & Creative Soul Year 4

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  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I must go to the sofa place this weekend too and get my refund. I need to find where I put that card... I'm not sure where it is which is a bit of a pain. They charged me £60 when they should have refunded - so now owe me £120. I sent them an email about it so they do know - which they responded to - but I need to go in person to sort it out and the manager was off for a week and then I've had workmen in and it's dragged on. 

    Apparently before I can get my kitchen cupboard put I need to order a special suspension rail - so the chances of that getting done (as in the cupboard put up) before my xmas get together is looking very slim. It's from the Swedish shop. Why they don't tell you at the time I'll never know... 
    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 29/7/25
  • Blackcats
    Blackcats Posts: 3,939 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Good news on the letter about your job.  Although there are caveats it gives you peace of mind for now and through until the milestone of your next birthday.
  • I will probably give at least some of them a tip. I got £50 out already - but a couple of guys in particular I'd potentially give more to as there were large chunks of time when they were here working on their own. At some point I'll also get bark and top dress everything but that definitely needs to go into a different pay month. I'll just get bags for that and potentially pay DD's BF to help me with that.


    Glad your job is ok 

    I like this idea  of tipping extra to the actual workers quietly  ;)
    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
  • jwil
    jwil Posts: 22,190 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good news about the job :)
    "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 McGee
  • Good news about the job
  • beanielou
    beanielou Posts: 95,999 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the job. 
    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.
  • skint_spice
    skint_spice Posts: 13,461 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That sounds well worth the money for the labour! It will bring you lots of joy.
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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