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Prosperous soul, mortgage neutrality & creativity Year 2
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Thanks Starlight (sorry I missed your posts) and Jwil
Jwil - yes should return over-shop after the photos now I think - but just worried about getting cat hair or dirt on them in between. It is a form of avoidance for sure!!
My cleaner didn't come last week - I think she'll practically fall over at the difference in two weeks - Starlight. DD is wearing the dress to her BF's family wedding this weekend which I'm thrilled about.
Just having breakfast and then want to focus on my art room today.
My counsellor asked why I didn't put stuff in storage - or just rely on following the photographer with a crate to move stuff out of the way. The answer is I don't want that on-going cost (of storage) or the pressure of still having too much stuff in the room. I think for the lounge some sort of crate / cube box will be needed but the other rooms have lots of storage so it shouldn't be necessary - I just need to let things go. I don't want to pay to move stuff I don't need - as even if I get my current 'dream' house - it's floorspace is smaller than this one. Dana has a phrase "future me doesn't deserve that much credit." Future me definitely doesn't want to take lots of clutter to the new place. I have to keep arguing with myself on that one - as current me is lazy and just wants it to be over!!
Hope you're all enjoying the sun while it lasts.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 29/7/257 -
Today I picked up a narrow desk on FB for £10 to go in DS's room. He had an old screen and defunct tablet - so will put that in the room. It already had an office chair. His room is now largely staged.
I moved on to the family bathroom - I packed all of DD's items into a basket and put at the top of her wardrobe - so it can be lifted in and out. I staged the window sill and the sink. I've thrown out her old bin whole - and put in a nice new one - only to discover to my horror that the skirting board is rotten because of DD flooding the bathroom in the past. I don't know why I was surprised but it had never occurred to me to look and the Cleaner and DD had never mentioned it. I'm going to try and spray with a stop stain type product for now - but may need to ask the handyman if he can put up new skirting board for me before any kind of surveyor comes around - in the hope that s/he won't notice an issue. This part of the process is pretty depressing. I'm already awfulising and worrying about what if they make me redo the bathroom floor and kitchen ceiling - it's all hassle I don't want.
I'm also due to have a fibre install tomorrow - but they've only just said it can take 3 hours and therefore their 8-1 guide time is the starting point and really it's a whole day that you need to allow. Very unhappy about that. I'm trying to get someone to be on standby to house sit if needed as I've been asked to go into work for part of the afternoon. So frustrated.
Glad my problems aren't worse but still so 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 29/7/254 -
Stain stop product made it look heaps better. Should be able to paint over it later.
DD has now said she'll rearrange her plans if needed. I've sent so many messages to the fibre people though - not sure if they will still come.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 29/7/254 -
I wouldn't worry too much about the fibre thing. I have it & I have never had a BT person on the premises for even as long as an hour. I think it is just them giving a worst case scenario thing.
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No houses are sold without issue and no one can force you to do any work. The valuation was based on the house 'as is'. Try not to let it stress you too much, I know that's easier said than done!"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 McGee6
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Hi @savingholmes, because you are encouraging and kind on my thread I just wanted to let you know that I have read the whole of this thread (but not your previous one) and am massively impressed by your house prep work!We are in our little bolt hole in the country (with a massive mortgage!) and every little bit of effort it took to get here (significant issue with getting any mortgage due to Japanese knot weed in the garden that the vendor didn’t want to deal with ….) as well as the cost of covering all the bills, is worth every scrap of effort it takes to us - we absolutely love it here. Lived here c. 3.5 years now and *still* call it our holiday home 😉
Crossing my fingers for your dream place and cheering you on! 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.7 -
You are amazing.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.5 -
Thanks BM, Beanie, Jwil and @KajiKita
I need all the encouragement I can get! Feel I've slowed to a crawl this weekend! Everything takes so much longer than I envisage and it's so hard to do alone. DD has promised to come back and help tomorrow (I'm paying her) but it will be worth it. I literally can't seem to 'finish'.
In the past I've just followed the chuck it in a box and shove it somewhere method - and we may end up there for the last few things - but really trying not to make that my default. I'm so very nearly at the done properly point!!
It's been so muggy and humid that isn't helping either.
I've nearly filled another trash bag and have a table I plan to bin/tip. I've got the crap off the family bathroom floor. It still needs proper paint on the woodwork area but getting there. I've found some more spray - so tempted to just spray it. I seem to have misplaced my roller.
I'm really frustrated with myself as it feels like I should be on the home straight but I keep procrastinating and watching movies etc instead of finishing...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 -
Great progress on the house. It's hard to push yourself in the heat too.
I agree with you with not putting stuff in storage. That just outsources the problem (at a cost too).
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
You CAN do it.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.4
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