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Prosperous and Creative Soul Year 5

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Comments

  • skint_spice
    skint_spice Posts: 13,746 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Garden looks a nice place to relax.

    Mortgage OP 2026 £860/2000
    Mortgage balance: £31,763

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
    Boiler fund £2085/3000

  • jwil
    jwil Posts: 23,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Lovely pictures!

    "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
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Thanks Skint, Jwil, KK, Beanie, TG, WD and GlassHalfFull

    It's my birthday next week - and a load of plants kinds of felt into my trolley. A tall orange azalea, another standard red robin, an acid loving evergreen shrub with red flowers - I need to check the name of, an annual that is like a multi stemmed sunflower - that I've forgotten the name of already. (Not planted yet). Plus a smoke bush that I hope to grow as a standard. I'm hoping to use the red robin and the smoke bush to become mini shelters - like parasols… You get a standard tree (all the early side shoots cut off) - that has leaves / branches in a lollipop type shape - and then potentially use bamboo to train it into the desired shape… I did look at buying fully ready done ones but walked away at the prices - especially once delivery got added on. I'm debating doing the same kind of thing with the wisteria I bought - after it finishes flowering… YT seems to suggest it is possible. Might be easier than trying to train it up the house - although if I can get the arch to go where I want it - I might train it up that near my new bench.

    The wind is likely to take out parasols here - it has already killed off one - and although I replaced it with a cheaper one - my long term aim is use plants to achieve the same thing like they do at some posh gardens - like the Salford one… Similar to what I created by accident at my last home.

    It poured it down with rain all day today pretty much - so although I also topped up with compost and a cheap metal arch - not done more than that towards changing things yet.

    I returned £60 of stuff to another shop - and have as much to return again to other shops so I'm hoping that will offset some of my spends. I'm also hoping my Mum will contribute.

    The starlings/fledglings are now mostly feeding themselves - with some parental supervision. I went out and got a huge tub of mealworms but I think the peak feeding period may start tailing off soon.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I had a beautiful, sunny day out with a friend yesterday - although it was raining cats and dogs when I left here. The weather is weird.

    20260515_130112.jpg 20260515_140119.jpg 20260515_121415.jpg

    NT above

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I've just booked an overnight stay and a visit to a sculpture park for my birthday. Pretty pleased - as both of those came to £69 including breakfast - so just a couple of meals to find on top probably… I'd allowed £200 for a birthday treat - so the lowish cost trip will help offset the gardening spends today.

    I just investigated a lower cost sim - but I'd losing 20GB when roaming so that doesn't seem as good an option as it first appeared… so sticking with my current provider for now.

    Also spoke to my Mum about our Italy holiday. She is wondering whether we cancel one night at our Lakes and Mountains hotel and have an extra night near the airport instead. I'm not sure I want to do that… So will sleep on it. It could cost £100 each less though even after paying for a new hotel as we'd use public transport rather than a private taxi - even if we can't get a reduced cost for our main stay. Another option could be to get a taxi part way the night before - and then a train and still eat at our main hotel in the evening before leaving. I love it there… I also don't want to mess our hotelier around as he did me a deal…

    I still need to sort out a cattery. One option is on my way which I may go for just for simplicity if they have space although I doubt they are the cheapest.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • jwil
    jwil Posts: 23,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Have a lovely birthday.

    "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
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,752 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper

    I think with things like catteries I would definitely be tempted to spend a little more for ease/happiness with the place/recommendations!

    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £224,460.73
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
    Unread owned books Jan 2026: 256
    Undone crafts 2026: +1
  • WelshmansDaughter
    WelshmansDaughter Posts: 2,154 Forumite
    1,000 Posts Third Anniversary Name Dropper

    I am on my way to a garden centre this morning let's hope I can demonstrate restraint 🤣

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