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Prosperous soul embraces creativity & mortgage neutrality
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I've done that in the past. I'm just towards the bottom of my work to do list at the moment and it's the least exciting stuff... Some new work is coming my way that I can get stuck into - but will probably be after xmas now. Not long to work before I break up anyway. I finish next Tuesday night.MovingForwards said:I used to constantly work out how many hours I'd have to work to pay for things, as I didn't like my job it made life so much easier as I resented spending it on wasteful items and that was the motivation.
Some useful finds this week while decluttering / organising - include 3 new activity books I can add to the present pile for my little niece/nephews. Some soft new PJ bottoms that I lost almost as soon as I'd bought them months ago - so that felt like a real gift. A velour hoodie that is barely worn and is soft and perfect for stroking / self soothing. Missing socks where I had been considering ordering some new ones. I'm a long way from organised when it comes to my home... but any improvement is a win. Best of all my cleaner is coming tomorrow and will move my house onto a different level - for a while at least!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
Decluttering and tidying is addictive. Totally. Its my project for the new year...Part time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe7 -
I think a lot of us will be joining you in that - particularly if we all get stuck inside again!!happymum37 said:Decluttering and tidying is addictive. Totally. Its my project for the new year...
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/257 -
So I've made my first official mortgage payment. Only another 263 to go! I estimate I've now cleared £641 in total off the mortgage principal so am now at £201358. The £50 I sent across to my pension the other day is now showing in my account as well with the tax relief.
The engineer has just shown up wonder what that means for my dentist appointment!! He's not got out of his van yet though!
I still can't access online banking for my new account so still need to work out how I'm doing this month's money shuffle. My £ needs to go through 3 other accounts so I keep each one's benefits! I still need to set up a different way of doing my breakdown insurance rather than doing it via my bank account. Then I can switch that account. I may leave the switching a few months to allow my credit score to settle.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/256 -
Good Luck with the appointments savingholmes. I can guarantee if I ever book an appointment, several deliveries and visits always seem to crop up on the same day."Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga5 -
I knocked on the van window in the end. He said I could still go to the dentist. I ended up being late though. I am now waiting to go in.
I am supposed to have been in a meeting since 9am so it's going really well.... NotAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
Congratulations on the first mortgage payment SH - you're on the way! Glad you managed to get the BB engineer to give you the go-ahead to go out as you needed to - hopefully all is well with the dentist as well.
Definitely sit tight for a few months before doing another account shift I'd say - you've had a lot of financial upheavals to show up on your file recently and the full impact of the financial disassociation will take a while to show to help balance things.
I'll be interested to see how Santander go with resolving your issues with the online banking as they've not married up my accounts with the new everyday current either - in spite of me sending in the ID form they asked for.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her6 -
Well done on the OP! And the pension savings! Every step, no matter how small, is a step in the right direction.
- Mortgage over-payments to date: = £16,746
- Original redemption date: August 2043
- Current redemption date: July 2041
- Debt: £15,930
- Savings: £12,430
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Congratulations on your first mortgage payment, I moved into my home earlier this year after a relationship breakup and was ridiculously excited to be paying a mortgage in my own name😂 I guess I just feel more in control as ex refused to OP on previous home although we had discussed it prior to buying together and agreed to do so… I had OPed on previous mortgage and it would have been gone by now but it’s all a learning experience eh?Mortgage OP 2025 £6000/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,680
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)7 -
Great news on a mortgage OP already.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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5
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