📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Prosperous soul, mortgage neutrality & creativity Year 2

1109110112114115224

Comments

  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,106 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Well done SH, going great guns. 
    Life is an adventure, never stop exploring.

  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Jwil, Beanie and Sunshine

    Well breaking things down into micro tasks is helping. I redid the back step in between the rain and had enough paint left so did the outside of the back door too. I then had a break and did the inside of the front door which was looking yellow. 

    Had a nice meal out with DD and her BF.  DD is going to take some of her stuff to her Dad's tomorrow which should then make her room easier to tidy. Her stuff has also spilled over into DS's room - so again she's going to remove some of that. I'm going to help her with a college assignment. I'm not planning to do more on the house tonight but who knows... It was the right call to delay the photos for practical reasons and because DD wasn't ready. Hopefully getting her more involved will help with that...

    Desperately hoping the house I want doesn't get sold before I'm in position to offer. I also need to ring the mortgage company and check the portability and make sure there are no nasty surprises. As again I've got such a good deal it wouldn't make sens to lose it. 

    The house is getting better - the BF said he can see the difference just in a few weeks which is encouraging and concerning all at once ;)
    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
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    3 charity bags to go. One trash bag. 2 boot loads of DD's stuff as well. Bless her she's also emptied the top of her wardrobe, a 3 plastic drawer unit and 3 1keA boxes. Makes what's left seem a lot more manageable.

    I showed her some of the special dresses I'd been keeping. A few fit her including a full length gown. She was thrilled to bits. I last wore it when she was one.
    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
  • beanielou
    beanielou Posts: 95,712 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So proud of you  :)
    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.
  • lucielle
    lucielle Posts: 11,518 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Very well done. 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • jwil
    jwil Posts: 22,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Brilliant that you can see the end in sight, well done!

    Hope the meeting wasn't too bad and counsellor went 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 McGee
  • You're doing so well x
  • Flossymuldoo
    Flossymuldoo Posts: 113 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Wow, I’ve only been away from your thread for what feels like half and hour and I can’t believe how much you’re getting sortedz Well done!

    I’d love to see your house. From bits and pieces you’ve described I have a vision in my head and it’s lovely!
    28/12/24
    Deep savings: £14,492.28/£20,000.00
    Mortgage balance: £157,183.78
    MFW #53  £7.66/£10,000.00
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.