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Prosperous soul, mortgage neutrality & creativity Year 2

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Comments

  • A grid approach may help. 
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Good grief you're clearing a lot and making good progress. Do take a photo of the 4th bedroom as people do count / check make sure all the rooms have pics; even if you move everything out just for the shot and shove it all back in after.

    The house sounds very interesting and I love the balcony idea, it's something I would do too.

    Hope your hand heals quickly and grab rest when you can. This heat, while not like last year, is still very draining.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Skint, Lucielle, WD and MF

    I've done lots of shopping today - mirrors, pictures, lamp shades, plants, flowers, a new vase. 

    The problem with ADHD brain is we set an appointment to make ourselves do something - but under-estimate how long it will take to do. I've also realised that normal people probably get ready first and then book the appointment... 

    I've sent the lady a text to see if I can reschedule. If I don't hear back in an hour I'll ring her. I feel bad but I feel I'd be wasting my money as most of the house still has too much crap out. 

    I hear what you say MF about 'just' but that under-estimates how much is still left to do. I've pretty much spent the whole day on the living room. I have moved the table and the mini cupboard out and rearranged one side of the room. Some of the crap that displaced - still needs to make it into a crate and into the garage... 

    I think I can get the kitchen ready enough, the front room, my bedroom but it feels like the rest still needs a lot doing. The garden is looking good though. 
    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 29/7/25
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,487 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Hopefully the house will be looking ready soon, sounds like you've done an awful lot even if you think there's a fair bit to do. Sometimes it is just a case of having to 'game' a ND brain into doing what you need it to do.
    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 2025
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I love the 15 minute thing.
    I don't always stop but it gets me started!
    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.
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You are doing so well.
    Did you say you were off this coming week? 
    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.
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry I'm bombarding you all - my head's full!!

    £25 went to my regular saver. That matures in a month - and I plan to use it towards this spending splurge.
    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 29/7/25
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