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Prosperous soul in the making

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  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI MF I have already started boxing things up but generally if I am willing to box it up and put it away - unless it is seasonal stuff - I am currently asking myself whether I really need it. I agree that does slow things down though I have one box of summer clothes and 2 half boxes of his and hers sentimental items currently. I have some boxes to go at and the bubble wrap has come. I rang the solicitor we've used in the past but they've said they are closed to new bookings currently due to volume. The free EA said their solicitors are taking 8-12 weeks... (that's where they make their £ if you use their referrals). It's really cold here and DD didn't start the garage so not going to the swedish place tonight - will have to wait. We've got time though. Once the house warms up (only just turned heating on) I may do some more glossing downstairs and do some of the kitchen and utility paint touch ups.

    DH has been using my car this week but that has limited my freedom to nip out during the day so may get him to leave it for me tomorrow. I tried using his non-auto car the other day (only driven it once) and I couldn't get it in gear!! Not embarrassing at all LOL. DH is making our tea - spag bol. I need to update the Mr A order as I keep over-ordering so need to take stuff off. Our cleaner didn't come last week which was a blow as her kid had to isolate. I think I potentially need to walk around the house taking pictures so I have a better idea of how it looks to others and can see what to tackle next. I also need to find out how much our friends would charge for staging / photography if we do go ahead. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have now got 2 weeks off at Christmas so I have that to look forward to in about 7.5 weeks!! Counting down.... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I took the morning off work. I have replanted pots at the front to boost kerb appeal. I have agreed mates rates for professional house photos. I now have tile paint do running out of excuses. Really tired today though
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Shame about the  cleaner.  I think more kids are catching Covid and it's affecting the parents and their ability to work significantly.  I don't think it's going to improve until the vaccine becomes freely available.  The house gets closer to where you want it to be.  This is good news.  Every step forward is a step in the right direction.
    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Make sure you rest this evening, give yourself time to reset.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Tahlullah and MF. I worked really late tonight ready for a meeting tomorrow morning and now can't sleep. Hopefully I will get an early finish tomorrow though. £ is going ok. Not great but not terrible.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    good luck with your meeting + well done on the ££££ - slow but sure
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • doingitanyway
    doingitanyway Posts: 10,116 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Good luck with the house valuation. I'm sure all the work you have done will pay off.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Don't be too hard on yourself about money, look around and you can see where it's gone to good use 😉
    Hope your meeting goes quickly and you do finish early.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Good luck with the meeting! At least you can see where the money has been spent SH. It has all been put to good use and I've no doubt the investment will increase your house value by far more than you think!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
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