We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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 @ohdearhowdidthathappen
I will ask - but may wait until I'm face-to-face as likely to get a better reception. Having looked online and refreshed myself with the law - I should get it especially as a work event contributed to my need for counselling.
I get paid a week on Tuesday. I got a grocery delivery the other day - so my challenge is to make that last until then. It should be doable although it does require me to cook. I had Mr A soup, lasagne and jacket spud and porridge yesterday. I have part of a chicken dish I made earlier in the week that needs using up - but failing that I have a portion of lasagne left. I also have more soup.
I want to try making another big piece of art this weekend so may nip to HC and buy another canvas.
Right best go and log on now. My house was 11 degrees this morning so have put the heating on for an hour to help it warm up. I'll then just use the elec blanket.
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 29/7/254 -
If you don't ask then you don't get!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.3 -
Definitely ask for the adjustment - it benefits your work to have you doing well, so it's in their interests too!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 20252 -
Well done on the savings. Seeing interest being paid each month is very motivating for me too. When I think of the interest I've paid on loans and credit cards in the past 😱
can you count your travel time on Sunday towards your work hours? You did travel for work on a non-working day.
2 -
Thanks Beanie Merlin and Blackcats
Made up 2.5 hours today
I already claimed Sundays hours
Will try and talk to boss next week
Had heating on 2.5 hours today plus electric blanket as I was cold. House was 11 degrees first thing so boosted it to 15. Tonight got it to 19 briefly. Don't normally use electric blanket in bed but cold today. Will probably turn it off soon. Added another blanket to my bed.
Trying to find the right balance...
Glad it's the weekendAchieve 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 29/7/254 -
Sooner you ask, quicker they consider. Have you had an OH referral since your ND has been confirmed, as that will help pushing adjustments through.
Mortgage started 2020, aiming to clear 31/12/2029.2 -
Thanks MF
No to ohu
Woke with sore throat Saturday. Explains why I was so cold. Had heating on a lot of the day only to discover most radiators upstairs not working... Will arrange plumber next week. Have regular valve issues in the past so could be that againAchieve 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 29/7/254 -
Are you sure your radiators don't just need bleeding? You won't need a plumber for that.
4 -
Look on YT for videos, or ask your handyman as it's a quick job to sort out.
Hope you feel better soon.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Hope you've had a relaxing weekend."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 McGee2
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards