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Prosperous soul, mortgage neutrality & creativity Year 2

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  • DD's reaction to your dresses made me smile. 🥰  My DD has 3 of my outfits - a gown for a ball, a sparkly full length dress, and a catsuit. She's taken one more back to uni with her each time she's left. The sparkly dress is quite stretchy and was actually what I was wearing when I went into labour, so a bit weird when I see her in it! Probably weirder for her dad though as I didn't have lots of outfits back in the day, so these 3 came out everytime there was anything special going on!  🫣
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Beanie, Lucielle, Jwil, Dancing and Flossy

    My house is nice - and getting better as clutter leaves. It feels an epic achievement to be getting this size house ready by myself.

    DD removed her 2 boot fulls of stuff yesterday and I put the charity bags in the car ready to take them somewhere.

    Went to work, counsellor and bought food yesterday. Mostly rested in the evening - unsurprisingly I was pretty wiped.

    I'm aiming for next Wednesday afternoon now to be photo ready and that should be doable - as long as my cleaner comes.
    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
  • Wow you've managed so much in such a short space of time. In awe of you. 
    Seaweed x 
  • daintydaisy
    daintydaisy Posts: 119 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    Love that picture. Eucalyptus is one of my favourites. 

    Sounds like everything is coming along swimmingly, well done on the progress ❤️
    Daisy's Debt-Free Diary 

    2/29lbs lost

    CC1: paid off! 
    CC2: £599 (0% until Jan 2026)
    CC3: £2481 (0% until Dec 2027)
  • skint_spice
    skint_spice Posts: 13,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Looks pretty 
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • jwil
    jwil Posts: 22,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on returning the unwanted items.  Picture is nice.  Remember your house is still a home, so it doesn't need to be absolutely perfect everywhere.  If the weights may have damaged the floor, leave them there!
    "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
  • jwil
    jwil Posts: 22,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Another day with loads of progress, well done!  Your house must be quite unrecognisable by now!

    Buying lots of stuff and then returning it is a bit of a timewaster, is it worth waiting until you've finished the sorting?  Then you could do a list of what you need and do it all in one sweep?
    "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
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