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Prosperous soul, mortgage neutrality & creativity Year 2

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  • jwil
    jwil Posts: 22,064 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great start with the offer, even if it was a cheeky one!

    Hope your viewings go well, and also on Saturday.
    "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: 22,064 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Definitely too soon for an offer that low when you aren't in a hurry.  Especially as they don't even have their house on the market!
    "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
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,126 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi there SH 🙂  I am so inspired by your progress - well done!

    Fortune x

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

    I was awake at 6am and knew I wouldn't get back to sleep so got up. Started work just after 9 and finished just before 8. TBF I still owe time!! It's been manicly busy this week and I made up nearly 5 hours. 

    However, I went to Mr M to get some tea - and ended up in tears as their ICT is crap for their loyalty card and I struggled to get it to log in. I had a big shop - and they weren't willing to serve me. The till kept asking if I wanted to continue and I kept pressing yes - it was embarrassing and I was slow. Then when I was packing the till kept asking me if I was done yet and I wanted to scream. By that point I was in tears and because I hadn't eaten a cyst on my liver was playing up and really painful adding to the issue. I wrote Customer Services a long email when I got back so frustrated.

    Then to top it all I'd missed 3 calls from DD. I'd been supposed to take her out in the car tonight but a) she didn't come on time and b) I'd forgotten anyway but c) by that point it was an hour and 20 minutes past when she was due. She then wouldn't take my calls and didn't reply to my message.

    One of the EAs that I thought hadn't responded had got stuck in my junk mail and another had some pre-qualification questions before they'd confirm a viewing. Another rearranged for a week's time. All frustrating. 

    I've also been dealing with work related conflict and a lot more social than normal at work. It just all got on top of me.

    Tomorrow is another day.

    I have a friend at 10.30 for coffee. A viewing here at 12. Then I'm viewing a different house at 3.30pm - but they've even pattern wallpapered the ceiling - so if it was a goer I'd be knocking a lot off!! Bright flowers on the ceiling - who thinks that's a good idea???? Seriously!! It has amazing views from the rear though. There's a canal which could be positive or could just be way too noisy I don't know. Depends if there's a weir. It's near a lock gate. I'd need to know if people were allowed to moor nearby as that can be noisy too with the hum of engines.

    Off to bed now for a reset.

    In better news BG offered £25 to switch from sh311 to them for gas so I've done it - as they're buying them out anyway so it was going to happen regardless but this way I benefit. I'll end up paying slightly more per month - but should get over a £200 refund which would be very handy with my recent spends!!
    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
  • KajiKita
    KajiKita Posts: 7,864 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 8 July 2023 at 8:16AM
    Hugs for the rough day yesterday. It’s been the week for it - I have had a horrendous week in work too. 

    Interesting about the house with canal views (am also boggling at the idea of floral wallpaper on the ceiling! 😂) - are rivers set to run in to it, could it flood that garden or would you be quite a way above it? 

    Hope you slept well and have a good weekend 😊

    KK
    As 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. 
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