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Prosperous soul embraces creativity & mortgage neutrality

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  • skint_spice
    skint_spice Posts: 13,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oo we must have cross posted - well done on the steps.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • jwil
    jwil Posts: 22,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great bargains!  Glad you had a day out, shame the property was disappointing.  Hope you enjoyed your quiet evening.
    "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
  • mark55man
    mark55man Posts: 8,218 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    hey SH - was just posting on my diary about renewing my disabled persons railcard (for me hearing aids).  I noticed that if you get PIP you are also eligible which I didn't know.

    The benefits are the railcard discount of 33% plus you can use it peak, and you can take a carer (!!) along if travelling together.

    Here's the link https://www.disabledpersons-railcard.co.uk/are-you-eligible/

    Is this Railcard for you? A quick check to make sure you're eligible…

    You are eligible for the Disabled Persons Railcard if you:

    • receive Personal Independence Payment (PIP) or Adult Disability Payment (ADP)
    • receive Disability Living Allowance (DLA) or Child Disability Payment (CDP) at either:
      • the higher or lower rate for the mobility component, or
      • the higher or middle rate for the care component
    • have a visual impairment
    • have a hearing impairment
    • have epilepsy
    • receive Attendance Allowance, Severe Disablement Allowance or Pension Age Disability Payment (PADP)
    • receive War Pensioner's Mobility Supplement
    • receive War or Service Disablement Pension for 80% or more disability
    • buy or lease a vehicle through the Motability scheme
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Skint, Jwil, MF and @mark55man

    I'll check into the railcard - thanks Mark. I've got a list of things I need to do linked to pip but not done yet.

    I've bought these curtains (photo not my home) for my downstairs office for winter as part of being more energy saving. RRP £60 original price, new (open packet / possible seconds) £35, offered £30 on fleabay and got them so happy with that. The stripes follow the flooring too so it ties in the room. Just hope they are okay when they arrive. Currently don't have any curtains in there. I have a yellow version in my living room that I also really like. 



    About to have some chicken casserole with roasted parsnips for lunch. 

    My £co payment for taking out the Mr T CC came through - they knocked £5 membership off it sadly - but still got £17.50 so happy with that. Will get an Am**** voucher with it so will get 2% more than that. I still need to chase where my T card points have gone as they are not showing on my statement... Need to ring customer services I reckon...

    I still need to chase my missing £40 voucher from MnS as not got anywhere so far... 

    Been losing hours to RM today... I'd love to pick up my existing house and just plonk it elsewhere... Alternatively - I'd like a place with my own land... It always feels tantalisingly just out of reach... I mainly want the land for the privacy aspect... I hate being overlooked. I'm not overlooked at the front - but I am at the back where it matters more... It reduces how much I use my garden which is a shame.
    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
  • I don't like being overlooked either. Our garden was quite enclosed until the house at the back got renovated. That encouraged me to address the wild ivy - the rotten trees and the lack of fencing. It's still not great. The stuff we've planted will take years to shield us again. I would love to be detached but I don't think I could tempt OH to move again. 

    Curtains look good :)    
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    It might be just out of reach at the moment but look at how much you have done in terms of your other goals.  It's probably doable in the future.
    Can you imagine if the money situation with your sis had happened a year ago?  You probably wouldn't have been able to pay it back.  It's not great that you're having to do it but you now have choices of ways to get the money together.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Blackcats
    Blackcats Posts: 3,908 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    I've been wandering around RM today too - I'm away on holiday and marvelling at the difference in price from home to here.
    some great food bargains in your shopping - glad you enjoyed the sea bass and veggies - very healthy.

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