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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Great to hear you have viewings already after all your hard work.Life is an adventure, never stop exploring.4
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Brilliant news on the viewings, and seeing another cheaper house! It's all coming together after all your hard work 😁Live the good life where you have been planted.
Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary6 -
Exciting about the viewings!
Hope you enjoyed the meal."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 -
Thanks KK, Beanie, Jwil, Sunshine and Elisheba
The meal was great thanks.
I put my washing away and flower arranged last night but other than that rested.
At hairdressers this morning, The need to continue operation declutter. First up is anything that didn't quite get put away the day of the photos then the garage. Ideally I also need to find some matching kitchen cupboard paint to go over the places where I got art type paint splashed across the cupboards.
The £60K below house appears to have already gone. I'm going to see a different house with views this afternoon though. It should be a nice trip out if nothing else. A lot of wallpaper at that one and very dated tiles but its chain free.
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 29/7/258 -
Hope the viewing goes 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 McGee4
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Happy new hair & happy viewing.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 -
Wallpaper & tiles are nothing to fix (well almost nothing). You would probably hate my blown vynyl but I saw the walls without it, so its staying. Tiles I have replaced with splashwall, that's BnQs name for it anyway. More expensive definitely but so much easier to clean.
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Love the renamed Freedom Fund, there's no harm in having a FF and EF.
Hope the viewing went well and it's helped hone what size / location is viable.Mortgage started 2020, aiming to clear 31/12/2029.4 -
Thanks Jwil, MF, BM and Beanie
The houses were no good - the noise from a 40mph road the other side of the garden was too great. One had been a smoker's house too and it reeked. She'd died and it was still going through probate. She had an oil tank in the integral garage which felt hugely dangerous. The other was painted in dark colours, completely cluttered, no understanding of how to stage the house - and the prime thing I'd buy the house for - the view - she'd allowed to become overgrown so you couldn't see it.
I didn't 'view' but drove out to two other houses too and crossed them off the list. One because it was down too narrow/scary a road - and another as it was on an over-crowded estate.
I came home and tackled the garage. I've got at least a car boot's worth probably with the back seats down - load of stuff to go to the tip and about 4 bags for charity.
Tomorrow I see DS and my sister's family. Want to try and nip to the tip beforehand.
Hope you are all having a good weekend. Off to bed. Completely wiped.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 29/7/258 -
Shame the houses weren't suitable.
Have a good day."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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