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Prosperous soul, mortgage neutrality & creativity Year 2

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  • beanielou
    beanielou Posts: 95,737 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • doingitanyway
    doingitanyway Posts: 10,061 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Excited to hear how the viewing went 
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • KajiKita
    KajiKita Posts: 7,883 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 😊

    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 = £12,148  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. 
  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • mark55man
    mark55man Posts: 8,218 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 easier
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • jwil
    jwil Posts: 22,067 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 McGee
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,487 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    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 2025
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