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Prosperous & Creative Soul Year 4
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Your raised bed is looking great!Mortgage OP 2025 £6750/7000Mortgage 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)2 -
Lovely photos!"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 McGee2
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Garden is really coming on."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/yoga3 -
Beautiful flowers.Aiming to early retire December 31st 2026.3
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Garden looks great. I am sure you will make the right decision about your course.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#latest3 -
Wow, just realised I hadn't seen you post for a while and realised I've lost the bookmark to your diary! Off to catch up...2
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Thanks KK, Jwil, Lucielle, Skint, CCW7, LWAP, Sandy, Glass half full
Always nice to come back to posts. I'm struggling (MH) to just maintain energy for my job currently - so not really reading diaries. I'll catch up when I can and hope meanwhile you can give me some grace!! I also need to catch up some time. I've paused my business idea - and am only sporadic on the art course. LWAP - on the course I decided to keep it as I have 2 years to complete it - and can always use my laptop to record the screen so I have longer in practice if needed.
My garden is helping keep me sane. Love seeing all my belatedly planted bulbs coming up as well as the plants I put in last year (or paid someone to plant for me). I love all the aquilegia too which was from the previous owner - and the colour story is great with the blue of the ceanothus. The front garden is also looking good with purple spikes of polonium?, I also have anenomes, saxifrage, bluebells, the last of the tulips, fading azalea - and blooming red and white rhododendron. I still have white and purple Christmas roses that have flowered their hearts out for over 5 months now. Pink azalea at the rear - and a red rhododendron about to burst into flower. The front is more identifiable than the rear but I will see if I can find a suitable photo.
I also bought some purple flowers I can't remember the name of in a winter clearance sale a few months ago that are doing great - as well as some dark red leaved lobelia that I'm looking forward to seeing. I also have alliums about to bloom for the first time. Rosemary and lavender in flower too. I should get some apples - I am very excited about those.
I'm adoring all the birds. I watched an adult starling try to teach its infant to take food off the ground - and still feed it the odd morsel. Fascinating how they band together to breed. Lots of other birds too despite the cats who see all my raised beds as a mini adventure playground for them. They barely visited last year where this year has seen a huge succession of them. I think before the gap between levels was daunting and now it no longer is...
I went in the office today and it went well overall. Just 3 days left to do and then I'm off for a week. I can't wait. I saw DD at the weekend and we went to a special garden near Salford and I hope to go to one down south next week and see one of my sister's at the same time. I'm also meeting DS and his partner next week.
Thankfully the stock market seems to be recovering - so I have a 4% loss still on my S&S isa - but my AVCs are back at £2K growth (they were £3K+ growth before the current issues.) That feels a big relief - as long as it lasts - as it gives me options - and makes me less worried / guilty about recent spends/investments.
Hope all's well with you - especially @beanielou with the medical. @CCW007 I've also been posting less frequently so hopefully you shouldn't have to much to catch up.
Very grateful I have a dishwasher and as my counsellor said yesterday, 'My ceilings are tidy.'
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 29/7/257 -
Love the “My ceilings are tidy” - that’s made me smile 😊
Of course you have grace from us. You have a lot on atm.I hope you enjoy your week off and the working week passes swiftly 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.2 -
Good to hear from you SH. I was at the special garden on Sunday , I live 5 mins drive away.Sounds like you are very busy. Not long now until your break in Italy.Life is an adventure, never stop exploring.2
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Sorry you are struggling but glad the garden is helping. Your week off is very close now
I love bulbs they are like buried treasures...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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720252
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