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Prosperous and Creative Soul Year 5

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Comments

  • savingholmes
    savingholmes Posts: 29,218 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    I've been finding the recent heat very oppressive. Not helped by the fact the cat brought fleas in and I'm struggling to get rid of them. My house is getting cleaner and tidier day by day - but the pesky blighters don't seem to want to die - whether I spray them with an RIP spray or steam them with my new steam mop and handheld attachment.

    Grateful its slightly cooler today.

    I made myself go to the gym yesterday for a swim. I had intended to go again today but didn't quite make it. I made myself go to life drawing this week - and am hoping to go to a portrait group soon too. Trying to make myself socialise more. Going back to site 1 day a week has helped - but this week - I'm due there 2 days which is a pain!!

    Hope all is well with you guys. I just can't keep up on diaries sorry - so am just dipping in and out.

    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
    2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
    3) 44.5/82K = 54.26% AVC Goal by mid 2028
  • lucielle
    lucielle Posts: 11,969 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Good to hear from you. Are you going to Oz for Christmas?

    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
  • WelshmansDaughter
    WelshmansDaughter Posts: 2,257 Forumite
    1,000 Posts Fourth Anniversary Name Dropper

    Can't keep up with all the numbers so no need of it's going well or not lol. Good to hear from you though

  • KajiKita
    KajiKita Posts: 10,531 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    I've been struggling with the heat too - makes me so much less 'functional'. I was wondering what was wrong with me - then the heat drops and I have woken up again. 😉

    I also can't really tell from the numbers here whether there is anything to be concerned about, but would the back-pay, when it comes through, be useful to clear a CC? (It doesn't sound certain that it would come through in time to contribute to Oz costs.)

    Well done for getting out to the life drawing session. 😊Hope the portrait session is stimulating.

    KK

    As at 16.07.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 57 books of target 52 in 2026 as @ 8th August. 
    Produce tracker: £200 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • TallGirl
    TallGirl Posts: 6,585 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Health spends sounds totally reasonable you cannot put a value on having a good quality of life. Ouch to that interest rate but good you can get it until you are 80. Interestingly its is very rare to pay your mortgage off here in Denmark as they still get tax relief on mortgage interest payments so most have one and use it regularly to purchase bigger item to avoid taking out a consumer loan. House prices are cheap outside of Copenhagen so you do not get massive increases like in the UK. Anyway sorry to side track your diary well done on all the numbers hope todays in the office is not too bad this week. Oh and well done on the swimming and in this heat!

    Moved to Denmark for FIRE by Aug 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

  • Watty1
    Watty1 Posts: 8,467 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    interesting about mortgages in Denmark. I wonder if more people will go for lifetime mortgages here eventually - just musing out loud as it were.

    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • SandyShores
    SandyShores Posts: 2,119 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    Yup definitely interesting to hear about the mortgage situation in Denmark. It would help if the interest rates weren't so changeable too.

    "Think of many things, do one"
    Mortgage end Aug £168k £309,749 2020 (ends June 2036 -was 2038- aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,805 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper

    I think health spends are a totally reasonable thing, although it's never a bad idea to look at what else you're spending on.

    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
  • savingholmes
    savingholmes Posts: 29,218 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Thanks Lucielle, Merlin, TG, WD, KK, Sandy, Watty1

    Paid £250 extra off mortgage when I got my cashback from my health plan. Had chiro Friday - so can claim some more back now.

    I paid the CC off that is running out of its 0% - so mainly use my 0% CC. But I need to clear that too - although I've got until next April I think.

    My mortgage app was submitted. They are asking for physical docs which seems strange - challenged that - and asked if I can upload instead.

    Went to a family gathering yesterday. Went okay - helped by some people not going so a more manageable number of people.

    Still exhausted from my day job.

    I still need to arrange for my tyre to be fixed so I can return my spare tyre to its home.

    I'm still fighting cat fleas - I had had 3 days free and was quietly hopefully - but then got bitten again while feeding the cat (outside) - either from the cat itself or the door mat. Feel I can't win… I've even tried combing the cat outside - and it doesn't seem too bad - but won't stay still long enough for me to finish - and I don't want to directly hold it and get bitten more… This situation has been majorly getting me down,,, I will bin the outside doormat - and use a different one - that was in the house but is currently outside 'airing' and re-spray that and see if that helps. I'll buy new mats for indoors. I will move the cat water - and then respray inside downstairs just in case. Will also hoover the stairs…

    Still debating what to do today - part of me wants to go and look for pebbles and driftwood (an hour or so away) - another part wants me to sort the house (a never-ending task). I am also considering going swimming. The cat woke me early - miaowing outside my window - I wasn't impressed.

    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
    2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
    3) 44.5/82K = 54.26% AVC Goal by mid 2028
  • lucielle
    lucielle Posts: 11,969 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Can you combine swimming and beach combing in one trip?

    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
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