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Prosperous & Creative Soul Year 4
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Glad the driveway is resolved and the asbestos removed."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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Good to hear you are feeling more positive today.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Thanks Jwil & Skint
Photo from last week
I have asked to close another CC. I've updated my £ today. My other achievements were having a shower, doing one lot of washing and resting...
Hope you are safe and warm.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
All safe and warm here 😊
Those tree reindeer are funny! 😊
Well done on the CC tidying and the £cial updating 😊 I hope you slept well.KKAs 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.2 -
Sounds like good self-care.2
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Loving the tree reindeer.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.2 -
Love the Christmas treesI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Loving the reindeer!Glad you got the drive redone and asbestos sorted
ouch on the re-plastering etc - I actually learnt to re plaster at that diy school - it’s quite fun but it is quite tiring as you need to do in a batch - so may be too hard physically for you
reading your ongoing list of to fix around the house is a little concerning ! The garden sounds amazing though now and I look forward to summer pics in bloomDON'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 -
Thanks CCW, Beanie, LWAP, Mark and KK
I didn't paint the front room or hall at the weekend. The tub of paint got buried somewhere under all the chaos (of displaced stuff) and I just felt too exhausted. I found an extremely old soil aerator for £5 at the reuse shop - which will be great for getting the job done but is probably a bit lethal so may have to give it a cover. I also bought a couple of small mirrors at £5 each and some stuff for next weekend's family get together.
The builders used some of my nice plant pots to make concrete - and left them like that... says it all really about how they finished up!! I don't think they would win awards for the tarmac - but hopefully it will last okay. It's better than it was. Much safer than it was. I may PM some photos once I've got things where I want them but don't want to be too identifiable on an open diary.
I have done some shed and front fence painting today. I'm still debating what colour to paint my new raised beds - or whether to leave them natural coloured but still protected. The rest is a dark grey - and the pine type colour bounces some light into the space and I like the contrast and texture currently. If you remember I originally painted my terraced concrete walls (behind them) dark grey though to make them recede and make the garden look bigger so it's a debate.
My new floor is finished in the lounge - hallway still in progress. I rarely like things when they are first done though as I struggle with change so I'm still adjusting. I now have coir matting as you turn into the living room from the pocket sized entrance hall. That should help a lot with trapping dirt etc. The door still shut after which was a relief. DD and her BF are coming over later to help get things back where they belong. I'm planning to try and 'edit' though and put some cupboards that were in the main parts of the house - into the hall understairs cupboard instead etc. Then see what I'm left with. My back art area feels over-full - so I want to resolve that before people come at the weekend.
I'm planning to bring my new turquoise chair down into the lounge (after I've done any painting) and start with it and the new sage green power 3 seater sofa and then decide what else to add back in. I need something for shoes though so that's not optional - but debating going back to a bookcase rather than a 4 cube unit for that. Will only know once I can physically play around with stuff.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Sounds lovely how the final lounge will be you will get there eventually. As for painting the raised beds I did my new wood in a clear coat as I like the light colour. I find grey a bit drab in winter especially and by doing the clear coat you cannot see when they need painting or if they need painting where as painted stuff always shows.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#latest3
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