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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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That's an ambitious list, glad it's split between three of you. Hopefully you'll get a productive day in.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 20254 -
Even if the new house doesn't go as planned the motivation it has given you makes it all worth it.
I have come across a new word that I am adding to my decluttering dictionary: retiring. I am retiring this object.4 -
Can DD take the tech equipment to your ex the next time she visits?Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family3 -
Jeez. That's some list!!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 -
That was one huge list. Hope you managed to tick off some. I need to do my airing cupboard as well, it's completely rammed and I only ever wash bedding and put it straight back on, so we shouldn't need loads of spares. Same with towels. I have my latest loo roll subscription I need to put in there somehow as well."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
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savingholmes said:Today I need to work but besides that I want to achieve the following with help from cleaner and handyman:
- Take out the contents of the airing cupboard. Check what is trash / donatable. Only keep best stuff. - Done
- Move a cube unit from the upstairs 4th bedroom into the airing cupboard. Mostly complete with its boxed contents. - Done
- Hang all the clothes DD is planning to sell on Vin%3d up in the wardrobe where the unit is now - to get it off DS's floor. - Done
- List a mirror of DD's for sale on FB. - used to stage room instead
- Cleaner needs to clean - but ideally help with some of the list above. Done
- Handyman due to repaint the kitchen ceiling. - Done
- List for sale / donate a bureau in the garage. - Handyman would like it but van full - will come another week
- Donate/list for sale some ik3a flatpack unopened stuff in the garage....- as above
- Ask the handyman if he'll take some spare metal from the garage. Handyman will come another day for it
- I may list a table in the lounge too - cleaner would like it - will need to just move in the garage for now
- May get him to move a small cupboard out of the lounge. Rehome / donate / trash the contents and the box on top of it.
- Move a desk out of DS's room and list it for sale/donate if it comes downstairs in one piece. DD has potentially got me a free artist desk with easel RRP £120 - but even if that doesn't come off I'd still like that desk gone.
- Move the toybox DS made off the landing and back into the corner of his room. Check what's in it (soft toys) - put sentimental toys inside so keeping all sentimental stuff like that together. Rehome / trash / donate what's left.
- Move all the carp off the landing (above and next to the toy box) - ideally to trash/donate - however there's some tech equipment I have no clue what to do with. Either way it needs to go elsewhere. So irritated that Ex who specialised in all that left so much gear behind - as I don't know what I can safely dispose of and what I need to take out i.e. which bit of kit is the hard drive and any memory and which bits I can just tip.
- Handyman to power wash outside.
- Handyman hopefully to assist with furniture moves.
She agreed with me on DD's room and my existing quilt cover on an old superking thin quilt I already had looks amazing in there as she has turquoise curtains and it really made it pop (with navy, bright blue, turquoise, red and green in quilt cover). I haven't dared look but I saw DD as I was leaving the estate and asked her to put all her carp away. She was distraught I'd got the clothes hung up that she'd dumped in a huge pile on DS's floor... (mostly new still with tags) she doesn't get it. I really hope she hasn't messed it all up again as I'll be devastated.
In clearing out the airing cupboard I found some really pretty oriental poppy type part velour part material and embroidery bed 'highlighter' and matching pillow cases (think deep maroon). I put the oriental pillow cases behind a duck egg blue and pink and brown (bird patterned) quilt in DS's room and it really set it off. I moved all the board games out of his room to their home in the lounge. There's still stuff left to do in there.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 29/7/255 - Take out the contents of the airing cupboard. Check what is trash / donatable. Only keep best stuff. - Done
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Blimey, I don't know how you do it.
Well doneI 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.4 -
Merlin's_Beard said:That's an ambitious list, glad it's split between three of you. Hopefully you'll get a productive day in.WelshmansDaughter said:Even if the new house doesn't go as planned the motivation it has given you makes it all worth it.
I have come across a new word that I am adding to my decluttering dictionary: retiring. I am retiring this object.Baileys_Babe said:Can DD take the tech equipment to your ex the next time she visits?beanielou said:Jeez. That's some list!!
jwil said:That was one huge list. Hope you managed to tick off some. I need to do my airing cupboard as well, it's completely rammed and I only ever wash bedding and put it straight back on, so we shouldn't need loads of spares. Same with towels. I have my latest loo roll subscription I need to put in there somehow as well.
I am practically creaking / hobbling tonight. Definitely overdone it - but worth it. Good luck with your decluttering too.
I might have sneaked to the shop and bought more pretty plants... The problem with staging a garden - is that things are constantly growing and changing - and some of what I hoped would still be in flower for those photos has stopped.... They are also pretty - did I mention that. I also topped up some food as I get paid tomorrow - so classing it as part of 'next payday'.
My cleaner agreed the lounge would look better without one of the tables and a cupboard - so still need to sort that but they're quite light... The handyman might come back tomorrow evening and do some more for me which was a sweet offer. I need to buy some cupboard paint - as mine has disappeared which is frustrating.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 29/7/256 -
beanielou said:Blimey, I don't know how you do it.
Well done
The handyman cleared the paint off some peeling tiles and repainted them for me. I will need to go over the lot in the morning though so it all matches as it was last painted 3 years ago so is now a different shade.
I also need to nip to W1lk0s tomorrow for their cupboard paint. They seem to be the cheapest. I just want to touch up where I splashed acrylic pouring paint on them... As you do... The handyman has said he'll come back tomorrow and sort them - potentially in the evening. I'm hoping he'll then help with the furniture shuffle.
I'm less concerned about Friday's valuation - than I am trying to be organised for my friend to take professional photos. I need them taken asap after a room is done so there's not time for it to deteriorate.
My grass needs mowing before then and some plants cutting back. The list keep growing - excuse the pun!!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 29/7/256 -
You have done ALL that & I still don't have a plant for the front doorI 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.6
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