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Prosperous & Creative Soul Year 4

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  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sorry to hear about the nightmare. Is something worrying you or is it it just the overstimulation of the workmen being around so much? 

    Loving all the garden updates and how much progress you and your team have made in executing your mission 😊

    Enjoy the art session and the lunch today 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • Your garden will be a lovely vision come spring how exciting - sounds like so much work though 

    a relaxing day of art would be good for you 
    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
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Busy as ever SH. Make sure you take some time to just ‘be’
    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: 3,892 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Your garden sounds like it is better stocked than many garden centres!  
    I'm pleased you are so pleased with it!
  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Garden sounds lovely.  I hope you get a relaxing day today.
    "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
  • Garden sounds amazing SH! Well worth it to get it done (though I feel your pain on paying out money, I'm expecting to pay for the last bit of the work on my place next week and my savings will look sadly depleted / no longer be artificially inflated by money saved for work depending on pov). It will be so good to have it all done after all the planning and thinking about it 
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • TallGirl
    TallGirl Posts: 6,218 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Wow to the garden sounds like those combinations will bri g you interest all year round. It’s ok to have some things in pots but so much easier to have them in the ground. Enjoy and also well done on the Xmas shopping I’ve bought nothing yet. 
    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

  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You have reminded me I need to get my Christmas list sorted, and also remind MrEH about his too! Mum has already let us have hers, plus I'm going to get her a planted pot from her favourite garden centre as well. I've got some oddments for MrEH but still got plenty to sort! 

    Your garden sounds fabulous. Can you ot hold on to the planters with a view to refilling them over time with self-seeded plant babies/cuttings and splitting up of various things as they expand? 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
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