Prosperous & Creative Soul Year 4

13840424344

Comments

  • jwil
    jwil Posts: 21,433 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the garage door is good.  Lovely photos!
    "If you can dream it, you can do it". Walt Disney
  • beanielou
    beanielou Posts: 94,688 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry to hear about your work changes. Hope it works out better than you think. 
    Enjoy your weekend. 
    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.
  • Blackcats
    Blackcats Posts: 3,671 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    I hope work settles down soon.  The run up to a big change and the time straight after the change is always challenging.
    glad the cleaner is working out well for you.
  • jwil
    jwil Posts: 21,433 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the work changes, as you know I feel your pain on that one.  Great news about the shared costs though, I have that too, which bumps up my relatively low contributions.

    Glad the art course is going well and the cleaner seems to be working out.
    "If you can dream it, you can do it". Walt Disney
  • Watty1
    Watty1 Posts: 6,314 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Glad the cleaner is working out. Mine is a similar cost and honestly makes such a difference mentally to have someone help (although in my case WattyDog quickly messes the place up again)
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • doingitanyway
    doingitanyway Posts: 9,480 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    The cleaner sounds like a good fit and will be helpful in other ways too.

    You are enjoying your art class, another big plus...
    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 0/1000
    Buffer fund 25/100
    Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875
  • savingholmes
    savingholmes Posts: 28,878 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Beanie, Blackcats, Jwil, Watty and DIA 

    Now at hairdressers.  Just returned close to £100 of paint which is a result.


    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £175.8K Equity 32.38%
    2) £4K Net savings after CCs
    3) Mortgage neutral by 06/30 (AVC £18.8K + Lump Sums DB £4.6K + (25% of SIPP 1K) = 24.4/£127.5K target 19.14% updated 7/5
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.3K updated 7/5
  • lucielle
    lucielle Posts: 11,404 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hugs for the work upheaval. Well done on returning the paint. Not long until your holiday. 
    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
  • KajiKita
    KajiKita Posts: 6,817 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I hope that now the work change has happened things will settle into a new pattern quickly even if it isn’t as warm and friendly as before. I can understand your impulse control going a bit wonky when all that was going on, but to be fair the results don’t sound too bad and recoverable. 

    The meds thing sounds frustrating. Weren’t you fairly stable before? Have you had to change meds for some reason I’ve missed? Maybe it could be worth asking for a specialist appointment? 

    The pension progress sounds really solid and I hear you on the effects of the loons … 🙄

    Whoo hoo for DD buying YOU lunch 😊👏❤️ She must be doing well in her life these days? 

    The art course and the Italian holiday both sound good 😊 Are you still learning Italian? 

    KK
    As at 15.04.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £236,911
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 22 books of target 52 in 2025, as @ 3rd May
    Produce tracker: £41 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. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 349.9K Banking & Borrowing
  • 252.6K Reduce Debt & Boost Income
  • 453K Spending & Discounts
  • 242.8K Work, Benefits & Business
  • 619.7K Mortgages, Homes & Bills
  • 176.4K Life & Family
  • 255.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.