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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Too much work!!
What a lot of blooming tosh.
I hate bi-fold doors. Too much to go wrong with them & too heavy.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 -
Thanks Beanie I knew you'd get it. My friend that was here today described my home as 'move in ready' so I just think its inflated expectations that some people have. My house is just over 20 years old!! How much work can there really be? All of it is optional...
I need to send some £ to my cashback CC again...
My friend that I mentioned earlier says she's off more of the summer so should be freer to meet up which would be nice. She's going to send me a scene she wrote recently and encouraged me to write again...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 -
If you need some feel good telly to help you recover my OH and I watched the Wham! documentary on NetteFlicks - we were both young adults at the time - she was really into them and I was disdainful except on the dance floor. The show was fabulous (as were they) and really showed the different roles that George and Andrew had. Also the importance of perseverance and work even in creative pursuits - although talent still keyI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
beanielou said:Too much work!!
What a lot of blooming tosh.
I hate bi-fold doors. Too much to go wrong with them & too heavy."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 -
NR really is prolific. Writing and otherwise. I was thinking about going to her Inn Boonsboro if I was ever in the States.
Sounds like the viewers want their very own Grand Designs3 -
@savingholmes much as I can see why some people watch home makeover TV, it should be considered a fantasy in my view. There's room for a new series 'Get your feet on the ground ' or similar perhaps? You heard it here first...the next viewers will probably be the ones. I think you're seeing this process as helping you decide whether you want to move, no? You'll get the benefit of all your work if you decide to stay put. Congratulations on everything you're achieving love Humdinger xx
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I think houses are just such a personal thing aren't they - one person's idea of a dream space is someone else's nightmare. People also have different levels of tolerance to work needing doing too - although we can both see the potential in a place that doesn't mean I want to be dealing with all the brick dust and upheaval it will take to get it realising that potential. Someone else is happy to go in and pull a place apart to get it as they want it (or has the luxury of being able to live elsewhere while they do the work!)
While we were looking we thought that a back gate was an absolute deal breaker for us - but as soon as we found the house that we are now buying we realised that even if it didn't have that it wouldn't change anything. We were also really against the idea of somewhere with much open plan space...until we found this one! The right people will come along for your house, and when they do it won't matter what it has - or doesn't have - they'll just want to buy it regardless!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her7 -
Sorry the viewing didn't work out - although if they were that specific about what they wanted they probably would have been nightmare buyers anyway! Better luck for Wednesday - all you need is one of the viewings to go well.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, Jwil, Merlin, EH, WD & @Humdinger1 - just found your diary
I agree on the bifold doors - they look great - but how often is our weather good enough to justify them. If I struggle to keep the hinges of french doors cooperating -yes what about the long term mechanism on them...
I am absolutely exhausted from my day job. I absolutely mustn't try and work this weekend as my head is currently closed over. Too much social/video calls. Too much bickering and petty arguments. Feel like I'm playing referee in a school playground which with ASD is tough. I am expecting it to be bad for another 4-10 weeks but then desperately hoping it eases off.
I need to find a way to chill and let the day go... I may look for some small scale art work I could do tonight/soon to just destress... It's been nearly a month since I played with paint... I went in work late today but even so still exhausted.
I have a lasagne ready meal cooking for me at the moment which I'll pair with some oven chips and peas. It should then give 3 portions for other days. I took something out the freezer for lunch at work today.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 -
I hope you manage to relax this evening and wind down. It's very hard when 'peopling' all day, even if it is virtual."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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