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Prosperous soul, mortgage neutrality & creativity Year 2
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Glad the viewing went well. I hope your meds settle down. I found the dopamine comments interesting @KajiKita
I love going to mooch in the area I want to eventually live in tooIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
KajiKita said:There’s a lot of nuance to negotiate with these medications, aren’t there.Hope the drive bys are interesting / positive. 😊Interesting to read that wanting a dopamine hit is likely driving your eating. I have a similar pattern - I wonder if there are other ways of getting the dopamine hit without either the food or the meds? 🤔 Sounds like the meds are the right way for you, and good luck with the increased dose, I might try doing some research in body-hack type alternatives.
KK"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 -
There is the dopamine diet which tom kerridge wrote about.
Seaweed x3 -
The first hit i found on Goggle talked about how to increase dopamine naturally, made for interesting reading.
I do think listening to more music would help me and I used to meditate a lot. Am hoping that my new craft space will help me get into that flow and it has reinforced my intention to get some music (probably classical or blues) on in the background in the craft space with me.
Sorry for hijacking your thread @savingholmes! 😊
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 = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £299 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.6 -
Fingers crossed that the meds increase helps - I never thought about it affecting desire for food but as I understand it ADHD is basically dopamine resistance so it makes sense that craving that food hit can be part of it for some people.
Mooching around areas you're interested in seems like a good idea to get the general gist of the place.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 -
Interesting on the meds.
Hope the increase in dose helps.
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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 Jwil, Blackcats and KK
jwil said:Glad the meds seem to be making a difference, hope it continues and the anxiety improves.
Enjoy your afternoon
KK - I am sure there are alternatives - but I did vaguely know there was a causal link - but it feels amazing to find something that can potentially resolve it.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 -
doingitanyway said:Glad the viewing went well. I hope your meds settle down. I found the dopamine comments interesting @KajiKita
I love going to mooch in the area I want to eventually live in too
Thanks Seaweed, Merlin and Beanie
It wasn't my ideal area that I went to today it was on a different triangle point. I did feel a bit fed up driving back - but that was part of what I wanted to test - how I felt trekking back and to in practice - as I'd have to do it to see family as well as for work. This evening I've been checking more local properties again... I feel I can't look properly until I know how much I can get for this in practice.
I'm realising too how much of my sense of 'status' is tied up in my current home. I think that's part of why the thought of downsizing is hard. There's also the ease of familiarity.
It boggles my mind that some of the houses with the potential for fabulous views were just built to a set design - and therefore they put the bathroom with obscure glass on the best view of the house and the smallest bedroom. Bizarre. Therefore some of these houses I'd want to majorly change the layout which would be a lot / too much? work and erode savings from downsizing where applicable.
I've only been on the market a month and a half and it already feels like forever!!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 -
The photos are stunning…Snowdonia is a beautiful part of the world.Is there anyway you could let your current house out and rent somewhere in the area you would like to live, so that you can get the feel of a place and know whether you would like it full time? As an example, lots of people move into the area in which I live and have a “ summer picture” view of it whereas in winter it is very different and not everyone can cope with it or the lack of amenities particularly in winter. Would a short term let there help?paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 175 -
Thanks HSL. You sound like my best friend... She's worried I'm making the wrong choice.
The difficulty with renting - is I'd have to rent out my place but then would get charged high rate tax on the money - even though I'd then have to use that money to pay the mortgage. I also don't really have a sufficient buffer for if the renters didn't pay or it was empty a while. I couldn't afford to run two houses. I'm not sure what costs I could deduct. It could then also give capital gains issues depending on how long I rented it out for.
I've been awake half the night. I've done a piece of work that was bothering me - and it just confirmed what was nagging at me originally - something I've been given by someone else to use doesn't look right at all. I tried to lie back down - and did for half an hour but got up as it wasn't working. I need to show them what I mean and see what they say.
I lost a pound overnight which is nice - but may have contributed to my wakefulness. I only had porridge for tea as I didn't have the energy to cook.
I also updated my money and sent some to clear recent spends off the CC. I'm due to finish the pay month owing about £223 on a CC (some of which is still pending) but having around £846 in the bank. I have to swoosh certain amounts into accounts to keep free banking and various interest deals which is part of why I didn't just clear the CC ahead of tomorrow's payday.
Tomorrow I intend to send £400 to savings straight away - and then another £25 shortly after. I'm also hoping to save £225 towards next month's car bills. Will see if I manage it or not.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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