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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Glad it helped. Sorry I missed your reply. A house with permanent gorgeous views from inside seems fab to me.Sunshine_girl2 said:All your activity has made me finish off a decluttering task I started a month ago . You are doing so well with it all , your house will feel great even if you don't move .The house you viewed sounds ideal for you.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/253 -
Did the handyman come back last night?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.2 -
Today I:
- Put a huge plastic crate (with light stuff in it) in the bottom of the newly cleared wardrobe in the fourth bedroom. I then shifted a couple of other crates in there and some glass shelves. I still need to go through the crates but ran out of time.
- Made my bed look all pretty again (bedspread and extra pillows and a cushion)
- Put away the flipchart paper I'd used to protect the counters in the kitchen while I painted yesterday. Returned stuff to their rightful homes. 'Dressed' the kitchen. Hid a few things in cupboards and the garage.
- Unpacked and packed the dishwasher.
- Started power washing.
- I moved a computer tower into the garage from the landing
The list below is all the odd jobs and clutter still to resolve. I won't get it all done - but I'll do more than if I didn't list it.
Garden- Finish power washing
- Weed
- Plant new plants
- Do something with compost bin as packaging soaked - see if can put together.
- Water plants
- Tidy hose back away
- Mow front lawn
- Ideally paint back door step *** WHITE PAINT ***
- Ideally paint part of shed
- Hide wrapping paper from corner (could put in coat cupboard) ** Do Tonight **
- Move hat off radiator (could put in coat cupboard) ** Do Tonight **
- Tidy and clean shoe cupboard
- Remove carp from on top and just leave plant
- Rehome painting from floor
- Move white desk and a small cupboard to garage or upstairs.
- Find a home for what's on or inside it. Rehome crate - check contents.
- Decide what to do with paintings - want to keep them - just need to decide where.
- Move plant table where the desk currently is.
- Ideally buy a new lamp shade as the one there is too small and therefore looks wrong.
- Move mosaic mirror to DD's room ** Do Tonight **
- Find home for all carp on desk and by the radiator
- Make printer cupboard shut properly. Resolve shelves so don't keep collapsing. Potentially put some stuff inside it!
- Find home for remaining counter items in utility - e.g. cat food, washing powder, kids photo, washing pegs, paintings etc. Alternatively just move for photo.
- Hide DD's juice bottles (could be just for photo if needed and then could put back). (See if will fit in her FF or the cupboard in the garage.
- Hide cling film, foil etc - should fit in cupboard to right of the sink.
- Ideally paint window sill *** WHITE PAINT ***
Fourth bedroom/Craft room- Dress the room for the photo. Hide what can in wardrobe. Deal with longer term decluttering at leisure later.
- Fill holes in wall as not going to put shelves back up.
- (Later - Try and sell shelves.)
- Sort remaining corner - perhaps put stuff in crate for now and find somewhere to hide it
- Ideally clean crystals on ceiling lamp as dusty
- Find a solution for the photo & viewings for all the toiletries.
- See if can get latex paint off vinyl floor
- Resolve my carp I hid in there for the previous valuation (worst case remove for photo then put back)
- Make room for toy box from landing
- Get floor lamp into corner instead of where DS put it
- Move bedside table back next to bed
- Clear out old text books - put in crate for charity ** Do Tonight ** (Then can drop off with other crate in the morning on the way to/back from swim)
- Clear corner next to wardrobe and the top of wardrobe
- Remove desk
- Ideally paint landing window sill *** WHITE PAINT ***
- Move toybox to end of DS's bed
- Move any remaining carp to wardrobe of fourth bedroom or bin / donate
- Find a crate or something to put all her surface clutter in
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/256 -
Sadly not no.beanielou said:Did the handyman come back last night?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/253 -
Ouch. Thats three to do lists not one!3
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That's an epic list! Good to have some structure and something to tick off though."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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Good luck with your huge list!Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
A list so big it has its own post code...well done @savingholmes; impressive organisation love Humdinger xx4
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Thanks WD, Jwil, Spice and Humdinger - love the postcode analogy!!
Unsurprisingly - I haven't got very far on my list. I did the tasks earmarked for last night - and dropped stuff at the charity shop this morning on the way to my swim. I met my friend and we swam and then came back here for lunch. She got a tour and was impressed as she'd seen some of how bad it was 2 years ago. She also felt repainting the tiles had been well worth it. She thinks I should sell easily and the garden is a huge selling point. ~Exercise, social, encouragement and self care in one.
Since then I have been intermittently power washing. It does make a huge difference but it's so time consuming. In any breaks I'm either recuperating with a drink or trying to get the grass and weeds up in between the slabs. I'm not too bothered about other weeds but those really stand out.
I think after I finish power washing I need to prioritise the fourth bedroom as it's the first room they will see when they go upstairs - or accept I won't include a photo of that room. Luckily I have leftover lamb that I can have for teaAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.1K updated 14/11/254 -
Wow, I just dont know how you do it.
Be proud. xxI 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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