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Prosperous & Creative Soul Year 4

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Comments

  • skint_spice
    skint_spice Posts: 13,601 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your raised bed is looking great!
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £33,821

    Boiler fund £605/3000

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • jwil
    jwil Posts: 22,740 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 McGee
  • SandyShores
    SandyShores Posts: 2,009 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Garden is really coming on.  
    "Think of many things, do one"
    Mortgage 31Dec'25 est. £205,330 £309,749 2020 (current ends 2038 -aiming for 2031)
    Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga 

  • glass_half_full
    glass_half_full Posts: 694 Forumite
    Tenth Anniversary 500 Posts Name Dropper Debt-free and Proud!
    Beautiful flowers. 
    Aiming to early retire August 31st 2026.
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,826 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    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#latest
  • CCW007
    CCW007 Posts: 1,113 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    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... 
  • KajiKita
    KajiKita Posts: 8,928 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
    Fixed rate 3.85% ends October 2030

    Read 77 books of target 52 in 2025, as @ 13th December 
    Produce tracker: £447 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. 
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,178 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    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.

  • doingitanyway
    doingitanyway Posts: 10,481 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
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