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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Ditto on the hydration issue.4
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You mean your cleaner won't be going to your new house if you move? I wouldn't move.
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Just a food-for-thought SH - we've found that our first reaction on seeing property listings with photos with all lights on is "bet that's dark inside" - and in a few cases we've even just moved on. Similarly when we've arrived at places with lights on during daylight hours - it's off-putting for a start because your brain is saying "wow - fancy needing lights on at this time of day". we asked our agents to have the light on in the hallway, but not in other rooms so as to ensure that people realised that there was masses of natural light.
I think being in a position where you can just decide to remove a house from the market and stay put for a few months before relisting is really pretty ideal - just be ready with the reasoning ("decided that I didn't want the hassle of moving in midwinter") when people ask - which they will do these days as all the listing histories are readily available online! From a buyer's perspective this is a wonderful thing - less so from the sellers standpoint though!
It's incredibly rude when people just don't bother turning up - I can't imagine doing that to someone!
Your cleaner is such a gem - and definitely yes to clean and tidy being two different things!🎉 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/her6 -
Thanks WD, BM and EH
I was always told to put lights on - but I'll take that under advisement given your comments EH.
My cleaner is amazing.
I panicked all night and slept incredibly badly and started work at 6am as someone's idle comment yesterday made me completely doubt myself. About 4 hours later - my original understanding was confirmed and panic over - but upsetting and exhausting while it lasted. I wish I could have turned off the worry but I couldn't work out how.
Seeing my counsellor later today. Been a very productive day so far...
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 -
If you ever figure out a way to turn off the worry please do let me know.... the amount of energy that goes into things that don't deserve it in this house is immense.
Fingers crossed you get some fun planned into your life - it is a horrible feeling when other aspects of your life demand too much attention and drain your energy away from essential life maintenance/balance. And even worse when the effort is for nothing cos the viewer doesn't even show! Fingers crossed for more interest soon.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 20254 -
Thanks Merlin - I think on the house sale I was too optimistic with my pricing - thinking people would just offer under... We'll see.
Saw my counsellor today - who is lovely - but it was quickly apparently that I had been storing lots of pent up emotion between visits. I was taken aback myself. She's only seen me that angry once before so I think she was a little shocked too. Better out than in they say - and theoretically it's a safe release option.
I bought some easy food from MnS on the way home.
I'm debating logging back on as an email I waited all day for arrived just as I left for the appointment... I need to send it on to someone else who desperately needs it so they can do their work - but need to vet it first.
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 -
Some people may be looking to see what's available for their proposed budget and potentially saving face by coming out with a random reason as to why yours isn't suitable, or seeing yours has made them realise something is important; same as you do when viewing.
I don't know where the button is for turning worry off, although I find a good rant gets it off my chest, as does a gardening session.
Mortgage started 2020, aiming to clear 31/12/2029.6 -
Thanks MF. I think life just feels too busy currently. I have a lot of work related stress currently - on top of stress related to selling my house. The counter to that though is I was bored at work before - and now I'm not - the time is flying even if it isn't always fun. My house and garden are both now a lot more enjoyable places to be and I can have people over at short notice - and just need to do that more. Normally it goes quiet over the summer for me - but it's the opposite this year which has meant that each person who takes annual leave is having a big impact on my ability to get things done.
I did another 40 minutes work and got the most important stuff done. Means I did over 10 hours just today though. I get flexi so will take some time back when the weather improves 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 29/7/257 -
I hope things settle for you a bit soon.
A few months to a year ago, the markets here were intense - houses would sell as quick as they were going on the market and there would often be sealed bids. Now we see houses on for weeks before they sell. I think things have just slowed down a lot from where they were, particularly with all the uncertainty about inflation/interest/mortgage rates. I think your plan sounds good, keep it on til the Autumn, and then have a break until spring if it hasn't sold."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 McGee4 -
I can't turn off the worry either but I turn it down with either numbers or music.
Something like I can only care 75%.
Or the bones are good, from a Maren Morris song.
ETA Music can be a good halfway point between language and emotion
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