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Prosperous soul embraces creativity & mortgage neutrality
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Thanks MF, lucielle and Blackcats
I planted some tulip bulbs at the weekend in reds and yellows. I have some more left to plant plus some very old daffodils and alliums. I need to buy more bark and compost first though.
You are right that a bigger garden requires more maintenance. Ah well, will see what happens. The front room looks very different just by changing a single picture. There are lots of other little changes I can make for no or little cost... Need to keep plugging away.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 29/7/254 -
Also a big big thing about moving house is you might loose your cleaner and handyman. Both priceless !Sealed pot challenge 822
Jan - £176.66 :j5 -
I think I said before at some point that when the house feels overwhelming and the list of jobs gets too long you try to rebalance by running in the other direction. For some people it is easier to imagine starting over than it is to keep going when 'in the middle' as it were.3
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lucielle said:Also if you moved to a house with a bigger garden it will take a lot more time and effort to maintain it.
L🎉 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/her4 -
Thanks Dawn, WD and EH
I definitely should appreciate my home and garden more - it has all the right ingredients - just needs putting together better / improved maintenance.
I was relieved by the budget for my finances. Especially as inflation is being applied to pensions and benefits. I'm grateful energy help is being retained even if it's less 'generous' than it was but worry for those who won't be able to cope. Time will tell what it means for public sector - that I still have concerns about. The freezing of allowances will bite more over time - but I plan to offset that with increased pension investment so that may even help me. I remain concerned about wider food poverty though and worry that wasn't adequately addressed.
Hopefully interest rates will settle but grateful I have fixed rate so I'm benefitting rather than losing out from that element of the turmoil.
How is it for you?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 29/7/254 -
The basket I planted at the weekendAchieve 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 29/7/259 -
Looks pretty!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 20253 -
Looks lovely!3
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Very colourful and pretty.Mortgage started 2020, aiming to clear 31/12/2029.3
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That's lovelyI 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
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