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Prosperous soul, mortgage neutrality & creativity Year 2
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Hope viewing goes well 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.4 -
Excited to hear how the viewing wentIf 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 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Checking in and looking forward to hearing about how the viewing went 😊
With the thing about seeing something in a book hitting home harder than advice or intended comfort from friends / family, I think we always tend to think that family / friends are biased in our favour so things that they say that would release us from things like guilt if we were to take them onboard, we don’t because “it’s just my mum / dad / best mate being kind to me and trying to make me feel better, but I know I am an idiot / to blame / etc”, whereas when we read it or hear it coming from a more objective setting, especially when that setting is not emotionally charged about us (it’s focused on the characters and their story not ours), our defences are down and that ‘truth’ lands in a completely different way.
Sorry, that was a very convoluted sentence, I hope you get what I mean 😊
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 -
Thanks Seaweed, Jwil, KK and Beanie
The viewing appeared to go well. They were my favourite couple so far and so impressed with the space. I think they are living in a much smaller new build so they couldn't get over the space, the size of the garden, the greenery etc. I wasn't clear and forgot to ask if they had a house to sell, whether it was on the market etc. They told me roughly where they lived. They are getting married in a couple of months so probably a full on time for them. They loved my artwork too.
DD drove her car for 90 mins yesterday. Result! Ex had come over to take her out which was just as well as - as I had predicted the battery had gone flat from lack of use. He had to jump start her car. She's booked 2 driving lessons a week now and 1 with her Dad and preferably 1 with me - so I hope that will boost her chances of passing next time.
I did around 3 hours work yesterday - and broke the back of a doc that had been hanging over me for a while. Ironically one of the reasons I worked then was so I wasn't interrupted - and messages came in from someone else also working. Ah well - it was less than a handful. Naturally one of the links I needed to do some other work didn't work but I'm further on than I was.
I slept really badly last night. I could really imagine that couple in this house - and it made it more real that I am potentially moving on. I enquired about a house at the weekend that's an hour away, somewhere really pretty with a view of hills. It's on an estate - with a potential lack of parking - but they'd dropped the price £20K to £260K and the views from the rear looked great. I drove past the other week and the surrounding area is beautiful. It's slightly nearer work and my sister than my fave (off the market) house.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 -
KK on your point - yes that's a good description - "it landed". Perhaps the wound did need opening up a little to allow that to happen.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 -
good luck with the house (both buying and selling) - its all getting closer and more real, hence the challenging sleep
well done - now you have made a start on the work the rest will go easierI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Maybe the off the market house is the one that opened the door to moving?
Love nora roberts, the cello scene in Birthright still makes me laugh. She is straight talking in real life too, I saw her in a documentary and she said something along the lines of get off Facebook and get your a$$ in the chair which has stuck with me.5 -
Glad the viewing went well and hope you get a positive response.
Well done on catching up with work.
Hope your viewing goes well. Sounds lovely, though the lack of parking would concern me."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 McGee1 -
Sounds positive on the viewing - nice to see your hard work in the garden is paying off in their reaction.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 Mark and WD
Yesterday's viewers said they liked the house, price, location and condition but there was too much work. I think the basic problem was their current new build has skylights in the kitchen and this doesn't... Not something I'd have ever considered a requirement but there we go. Next houses will be rejected for not having bifold doors! Feeling a bit deflated. Luckily I have another viewing arranged for Wednesday.
Just had a nice meal out at Nd0s - nice to have company - the chicken was a little dry. We came back here for desert and coffee - nipped to MnS on the way for lemon cheesecake and cherries courtesy of my friend. She toured the house again - she'd last seek it a week or so before the photos and really liked the extra little touches I'd made. She's now going to look at chair covers too as they hugely improve the flow and feeling of continuity across the house (6 for £20 on Am****). She loved the £15 bed frame - we both prefer it to the kids beds so I've a feeling that one may survive and one of the others may not when I eventually move.
I got a Mr A delivery so I'm all stocked up again. Totally over-spending on food - but am hoping to underspend on fuel this month so swings and roundabouts.
WD - Nora is such a prolific writer. She is so good at injecting warmth into stories too. I need to get back to writing... Work is full on at the moment though. I've recently swapped my physical copies of the Dance upon series for audio. Looking forward to that...
Also been playing with the cat which has been really enjoying one of those sticks with noisy dangly things on it. He keeps trying to take his prey to a corner to enjoy it in private - but that's hard with the stick attached so I keep laughing at him.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 29/7/256
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