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Prosperous soul embraces creativity & mortgage neutrality
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Hi @Tahlullah.H Like you I find it a lot easier to pack the dishwasher if someone has already emptied it - so often split the task. I managed both today - but now it needs emptying again and I'm like... really???
I did chat a little to a neighbour earlier too. She was feeling quite meh and was relieved to hear it was normal this time of 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 29/7/255 -
If it would help I think you should pay your cleaner to give you a hand with the declutteringI 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 -
savingholmes said:Hi @Tahlullah.H Like you I find it a lot easier to pack the dishwasher if someone has already emptied it - so often split the task. I managed both today - but now it needs emptying again and I'm like... really???What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park7 -
The walk looked good, nothing like hearing nature to bring calm.
It could work paying your cleaner, she knows you, the trust is there and she'd probably appreciate some extra money.
Good luck with your meeting and the counselling will help clear any stuck issues.Mortgage started 2020, aiming to clear 31/12/2029.4 -
A couple of thoughts. You have two wardrobes, but “probably” only enough clothes for one. Would a starting point be to completely empty one, then challenge yourself to pick up 10 items per day and look at the properly - do you wear them? Do you enjoy wearing them (for whatever reason - comfort, style, does the pattern make you smile, do they make you feel amazing) - really think through the emotions they provoke. Right now I’d suggest anything from indifference up is OK, but if they make you feel sadness or guilt I’d say they need to go. Either way - this could be a good way of getting wearable clothes that you are happy to put on and wear into one of the wardrobes, and make it easier to actually get the things you have, away.Second thing - items like ball gowns date REALLY badly. It might be worth laying the three dresses out on your bed and taking a properly critical look at them. Assuming they fitted you right now, and you were invited to an event to wear them tomorrow, would they still be suitable? Are you intending to go to the sorts of events that they would suit again in the future, or is that something that past you did, but current you wouldn’t fancy so much? That could prompt a decision about whether you really want them taking up space in a box that would take art supplies, or other creative stuff.🎉 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/her9 -
Tahlullah.H said:savingholmes said:Hi @Tahlullah.H Like you I find it a lot easier to pack the dishwasher if someone has already emptied it - so often split the task. I managed both today - but now it needs emptying again and I'm like... really???MovingForwards said:Good luck with your meeting and the counselling will help clear any stuck issues.EssexHebridean said:A couple of thoughts. You have two wardrobes, but “probably” only enough clothes for one. Would a starting point be to completely empty one, then challenge yourself to pick up 10 items per day and look at the properly - do you wear them? Do you enjoy wearing them (for whatever reason - comfort, style, does the pattern make you smile, do they make you feel amazing) - really think through the emotions they provoke. Right now I’d suggest anything from indifference up is OK, but if they make you feel sadness or guilt I’d say they need to go....Second thing - items like ball gowns date REALLY badly. It might be worth laying the three dresses out on your bed and taking a properly critical look at them. Assuming they fitted you right now, and you were invited to an event to wear them tomorrow, would they still be suitable? Are you intending to go to the sorts of events that they would suit again in the future, or is that something that past you did, but current you wouldn’t fancy so much? That could prompt a decision about whether you really want them taking up space in a box that would take art supplies, or other creative stuff.
The ball/evening gowns - one is a beautiful 2 colour dress - think iridescent - a Cinderella style dress (I don't mean net - I mean shape of the skirt). Then I have a beautiful long low back dress - I don't think that would date necessarily although whether it would look as nice on older skin as it did on younger is up for debate. Then I have an unusual two piece outfit - in kind of a sea green colour with autumn colours in some flowers in the one shoulder top... I don't really care too much about fashion - more about whether a colour and style suits me. They were designer rather than from a chain when I bought them. The stuff on ebay all look like flimsy knock offs rather than being of a similar quality of material. I have fond memories of wearing them. The closest to fitting me in the sea green type one and then the turquoise one and then the emerald purple lined one... I have oodles of space... It's more out of principle that I'm decluttering. They are the sort of thing that if I was slim enough I could imagine wearing on a cruise or to a charity ball.
They are also the sort of dress that the winners wear on the from of SW mag. I kind of like that idea.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 29/7/2510 -
Well I slept really badly last night 🌃 but I got up early and now my banisters are free of Xmas decs and I have started on the tree.
Did I mention everyday life can be a struggle? Trying to use my cleaner coming as motivation.
Last night I sorted through the stuff from the airing cupboard. I put a third back, am washing a third and may then give some of that away and already put aside a third to donate.
Seeing my counselor later
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 29/7/259 -
I really hear you on everyday life being a struggle. It sounds like you do loads despite that.
Have you had your hair done yet? xxx7 -
Its so unhealthy and unrealistic that we are supposed to live these healthy lifes with 30mins excercise a day, three square meals inc 5 a day, have spotless homes and yet go to work long enough to fund all these!! If you can do one thing a day that improves your life in some way, your progressing!Pennies starts again...........2022 - £13,579.2212
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Hi @savingholmes, I've managed to find your diary!
Our situations are so similar, I too took on my largest ever mortgage (£131k) following divorce, IO payments of £145 but I'm overpaying an additional £750pm, it's due to run for the next 18 years by which time I'll be 70, however if I can keep up the overpayments I'll be 64 and that gives me a couple of years before I retire to save a bit of cash. Only 1 child of 3 still at home, DD who is due to start Uni in September. I found it really liberating and empowering doing things on my own and soon realised life was much easier without the ex and my financial situation improved significantly! Since the divorce I have met my new partner, we are engaged but the house is still in my name and will remain that way, he is totally on board with this.
Re clothing hoards, I have no words of advice, I had a really good clear out after my divorce, I lost over 2 stone very quickly and dropped a few dress sizes. I resolved to only buy new items that were good quality and I truly loved, however, fast forward 3 years and my wardrobe is bulging again and I probably only wear 15/20% of what is in there, especially since the pandemic has practically wiped out any socialising. I really need to have a thorough sort out but it's having the time and inclination!
I'll follow your diary with interest
MvTMMMortgage (Nov 20- NOV 39) originally £130,999 (Interest only) NOW £102,732 (approx 78% equity)
Over payments 2020 £750/£750 (Mortgage payments only start Dec 2020)
Over payments 2021 £9,000 /£9,000 Over payments 2022 £7,629/£9,000 (£1,371 short of target)
Over payments 2023 £2,620/£9,000 (£6,380 short of target) Over payments 2024 £5,406/£11,000
Over payments 2025 £2,862/£5,600 (fix rate exp Dec 2025)
Loan £12419
Total Savings £4376
Premium Bonds - £963
YBS Xmas Regular Saver - £120010
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