We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Prosperous soul embraces creativity & mortgage neutrality
Comments
-
Thanks jwil, Beanie, MF, HSL and Dancing
I think it went as well as it could have done. I was up by 4.40am having woken repeatedly. We had 30 minutes of technical problems and in the end the assessor had to use 2 phones so sis could be on call. The call was then 2 hours!! We got cut off half way through but she called back. The lady was lovely. She spent a long time drilling into my difficulties which was upsetting but thorough. I didn't disguise that it upset me. If she made good notes - then I'm hopeful I should have scored points. Should be able to get a copy of her report in 2 weeks and decision within 8 weeks.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/259 -
Fingers crossed for a good outcome for you. Hopefully drilling into how bad it gets is helpful in highlighting what you need.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20254 -
two hours!!!!!!
Positive vibes for a good outcome xxI 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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.4 -
and relax! well done for getting through it allI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
I hope so. I've tried to have a nap but still whirling around my head.Merlin's_Beard said:Fingers crossed for a good outcome for you. Hopefully drilling into how bad it gets is helpful in highlighting what you need.
I know right!!! I felt sorry for my sis on the call too as she has her own health conditions. The assessor was lovely and asked her questions too about my conditions and the support she and others offer. We made it really clear that I had done a lot of prep pre the call and that sis as well as adding things aloud was texting me to prompt me of things I'd missed or not fully explained.beanielou said:two hours!!!!!!
Positive vibes for a good outcome xx
Thanks. You feel like you bared your soul at the end of it!! Hope it works our in my favour or I'll be gutted that I gave them so much highly personal info!!mark55man said:and relax! well done for getting through it all
DS is about to apply re one of his conditions and then potentially DD for hers... It could be a real family affair. DS has 2 weeks to return his form... He's hoping for help from my beleaguered sis too!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/255 -
That interview sounds gruelling! I hope it goes your way.Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Well done on getting through it SH, fingers crossed for a good night’s sleep for you tonight and a positive outcome for the application xxMortgage @ 03/2019: £125,000, Now: £49,614.75
Mortgage OP’s: £22,109.28
SHTF pot: 725/10003 -
It really was. It feels a cruel way of doing benefits. Ironically the person who now knows most about the inter-relationship of my conditions is someone not involved in my medical care. That sums it up really. If doctors were afforded the same time to serve their patients we might actually improve!skint_spice said:That interview sounds gruelling! I hope it goes your way.
Ah well - I get paid tomorrow. I'm am going to get about £50 more than I put in my budget - as I'm in a lower pension band since April than I was before as they uprated all the thresholds.
DD gets paid tomorrow and gets a bonus. She should pay me £150 from tomorrow. Will see what happens. I also should only have to do one long work journey for her in July and then that should be it. Will be interesting to see what her impact on gas, water and elec will be from being home 7 days a week again.
I have a family birthday this weekend to which too many people have been invited - to which it's compulsory I go - but which I'm already dreading. I will need to escape either to upstairs rooms or go for a walk as I can't see myself coping. What's worse is that it will be the first time I'm seeing many of those people since my divorce and neither I nor my kids will want to discuss that - and some of the people coming have the sensitivity of rhinos. I'm taking DD. DS should be there which I'm looking forward to. A sibling that has been living abroad this year will also be there and I am looking forward to seeing them. The rest sounds completely overwhelming. It will probably use up half a tank of fuel. I would normally book Monday off to help me recover - but can't really do that when I've had time off this week already - plus the person I'd ask is on leave themselves. I don't want to use up all my leave on the wrong things though.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/255 -
Well done on getting through the interview!"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 McGee3
-
That's why private supplementary care does help as more time is allowed to find out the full picture and treat the cause not symptoms.
Hope the party goes ok and you get escape breaks, just repeat it's no-one's business when they ask and walk away if they keep going on.Mortgage started 2020, aiming to clear 31/12/2029.3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.4K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.4K Work, Benefits & Business
- 601.3K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards



