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Prosperous and Creative Soul Year 5

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Comments

  • beanielou
    beanielou Posts: 99,666 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Good to hear from you.

    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • lucielle
    lucielle Posts: 11,837 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Good to hear from you. Keep aiming for the gym, you’ll get there.
    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
  • beanielou
    beanielou Posts: 99,666 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Good to hear from you.

    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*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Humdinger1
    Humdinger1 Posts: 2,906 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper

    Well done @savingholmes. It's so grey and I think many of us are struggling with colourless routine, only tempered by hair-bleaching emergencies. Spring is coming and people are loving your art. Sending love Humdinger xx

  • TallGirl
    TallGirl Posts: 6,524 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Good to hear from you just go for it with the art. I would try the home scan first what have you got to lose. Sorry work is still pants.

    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

  • EssexHebridean
    EssexHebridean Posts: 25,961 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Sounds like you've had a lot to deal with - as others have said, the time of year doesn't help does it, make sure you get a chunk of daylight each day while the days are short would be my suggestion - it definitely helps!

    🎉 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
    Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • jwil
    jwil Posts: 23,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Sorry things have been tough, hope it all settles down a bit soon.

    "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
  • Sounds like burnout again, ouch

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