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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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House sounds interesting!
Good luck with the viewings."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 -
Oooh …. Sounds proper exciting! 😊savingholmes said:I shopped around on the EPC - definitely cheap ones out there and dear ones.
I don't like the new look forum. Why do they keep changing it? So frustrating!!
I've been to view a house tonight. I nearly didn't go. It had panoramic views - absolutely amazing. Within half an hour of here and of work and well within budget... Need to make a decision quickly though as there are other offers... I have a viewer here tomorrow and Saturday... Luckily the cleaner is due tomorrow.
How’s your left foot and hand now?
I’m slowly adapting to the new layout …. But I am aware I don’t have the same ‘flow’ that I had before … 🙄😂
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 = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £339 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.4 -
How are you today?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.3 -
wow - how exciting for you over the last few weeks. sorry for only lurking occasionally but it sounds like you are right in the middle of it but keeping calm and eyes on the prize without throwing the baby out with the bathwater.
make sure you look after yourself and keep well nourished/hydrated/calm - easy to forget to look after yourself when you need it mostI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
I'm struggling with the look of the new forum too. I'm sure we'll get used to it soon enough!"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 McGee3
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Also not enjoying the new look forum - it's very optimised for mobile and I normally view on a laptop!
House sounds promising, and it's also very promising that you've found another one in budget and that you could want so soon after the last.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20253 -
Thanks Jwil, KK, Mark and Beanie
Foot is fine again. Hand is improving.
Had a couple come to view tonight. They took an hour. Hopefully that's a good sign.
I gave positive feedback on yesterday's house but they haven't returned my call so think they are favouring a different offer.
I am exhausted as work is manic. So following Mark's advice and getting some food cooked for me with fave drink at fave pub.
Hope you are all doing well
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 -
You're doing well with viewers attending yours and you seeing others.
Try and take time out for you each day, even if it's 20 mins to savour a brew and clear your head.
Any NT or weekend breaks planned?Mortgage started 2020, aiming to clear 31/12/2029.5 -
That sounds perfect - moderation in all things, including moderation
(although a meal and a drink is hardly excessive - I just really like that quote)I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Need to grab some of your moderation! Hope you have a delicious meal and sending positivity for the best outcomes for you on your own house and yesterday's house x4
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