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Project Mortgage Neutral Begins

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  • Suffolk_lass
    Suffolk_lass Posts: 10,310 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Is there a FB page for your community? It's a great way of getting personal recommendations for tradesmen to do things where you live in a closed group, as long as you don't have loads of people hijacking it as free advertising.
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Is there a FB page for your community? It's a great way of getting personal recommendations for tradesmen to do things where you live in a closed group, as long as you don't have loads of people hijacking it as free advertising.

    I will have a look but I am going to put something on my own page as some of my friends are in groups that might be able to help.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I looked at your link - so glad we encouraged you to go - it looks absolutely amazing. The ABTA tip was worthwhile remembering too.

    We paid about £3.2K for a new combi boiler a couple of years ago for a 4 bed house. That included getting rid of the old emersion tank in the airing cupboard and a tank in the loft. If we had wanted a like for like replacement it would have been between £1-2K. We've saved so much gas since doing it though and we love having a usable airing cupboard and a more usable loft space.We got recommendation from our neighbour who had had theirs done
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    savingholmes - I have two recommendations to try now, one from the electrician and one from Mr AJM who needed his heating fixing so I will give both companies a call.


    I am at risk of doing too much at the moment or rather not giving myself any time to stop. I need to sit and work out what the priorities are I think as I don't necessarily want to give anything up. After the time with the doctor from my self referral (I don't know if I put on here that I had been discharged from him) I am getting a lot better at seeing the signs of stress and anxiety and dealing with them but this time I definitely feel like I am losing control. I am glad I am seeing the triggers though.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Right, this month I want to try and knuckle down with the petrol and food spends. Over the next couple of days I will total up how much they cost me last month and then see if I can make a small saving although February should be easier with fewer days. In all honesty I don't think I can save on my fuel so I just need to make sure I am budgetting correctly. I went down a brand level for my porridge oast this afternoon as I didn't have time to go to Ald!, so instead of branded I got suppermarket own although didn't go to the saver level. I am going to try and look for some good meal ideas that are a bit cheaper too to see if I can reduce these costs. I am on target to get rid of my small mortgage by the end of the year but maybe a few pennies will help bring it a little closer.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I don't like this new look forum although I am never a fan of change, maybe once I get used to it I will find it easier.  It took me ages to find the threads I follow that are now under bookmarks.  I always used to click on view first unread post, anyone know if that is still a thing?
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Its horrible isn't it, also took me ages to find followed threads under bookmarks, only way I can find the "first unread post" is to click on notifications
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Radish72 said:
    Its horrible isn't it, also took me ages to find followed threads under bookmarks, only way I can find the "first unread post" is to click on notifications
    I found the notifications eventually. Any idea how I change subscriptions? I subscribe to a lot of threads but I don't set email notifications to try and keep my emails down but they have all reset and I can't work out how to change it. 
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • Suffolk_lass
    Suffolk_lass Posts: 10,310 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    For email subscriptions look under Profile, then 'Edit my profile' and it lets you turn off the email notifications. Really missing the last post bit of subscriptions as thats have I used to navigate the forum. Hopefully all the glitches get sorted soon. Last read post and smilies are both missed though.
    If you click on notifications it will show you threads that have new posts (that you have commented on previously) or where people you have favourited have posted, I believe. 
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
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