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Prosperous soul, mortgage neutrality & creativity Year 2

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Comments

  • Well done on the life style changes and weight loss SH - you are inspiring me to make some of my own changes.  I've been listening to this podcast recently and it's been making me think a lot about what I'm eating.

    Fortune x

  • doingitanyway
    doingitanyway Posts: 10,045 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I hope the viewing goes well
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Earliest viewing for that one is Tuesday so need to decide if wait until Saturday instead. They had a sale fall through. Lots of offers already refused. Doesn't sound like I could get it for what I am willing to pay.

    Other option is to try original valley house.

    Drove to valley today. Had coffee in a tiny cafe and talked to friendly locals. Not much on the market in the area currently... Definitely need to consider practicalities. Last 5 miles of journey to valley sometimes cut off in winter. 

    Currently in a pub about 7 miles away. Didn't enjoy meal but they have my fave soft drink.

    Unfortunately I forgot to take meds today and have none with me. Don't know whether to go home early....

    Will reply to individual comments when I am back on a laptop.

    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
  • doingitanyway
    doingitanyway Posts: 10,045 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I don't know how far you are from home. Could you drive home for meds, then go back?

    If the vendor has had a sale fall through they might be more open to an offer not less?

    I found talking to friendly locals to be the best way to 'get a feel' for the area. 
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 22,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you enjoyed your day out.  Have you looked into internet connections in the new area? Not only for WFH, but if I was in an area likely to be cut off by weather, I'd like to feel connected to the world still.
    "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
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Beanie, MF, Dancing, Jwil and KK

    I was really put off by the estate agent - as they were suggesting the vendors wouldn't accept any low offers and had already rejected loads. I think the romance wore off slightly yesterday of the tiny valley too as I sat in the tiny cafe that wasn't much bigger than my lounge. There was a young family there but they were visiting their mother while she volunteered there. All the other people in the cafe were pensionable age. The young family said they lived in a nearby town as there was more there for the kids. However, I was feeling a huge level of fatigue as I'd forgot my meds and ended up going home early as I was scared I'd otherwise fall asleep while driving.

    KajiKita said:
    I like the boldness of the trainers - both the colourfulness and the decision to get them. I am starting to realise I am looking a bit threadbare … I need to do something about this but I hate shopping so much and I don’t want to spend the money! 😂

    KK
    I bought mine online. In real terms I've had the same brand of trainers for about 13 years now - just get different styles in them.
    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
  • Baileys_Babe
    Baileys_Babe Posts: 6,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    @savingholmes do you regularly use the same bag when going out? If so would it be possible to keep a small amount of your medication in a pocket or similar? It would prevent yesterday's difficulties.
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • KajiKita
    KajiKita Posts: 7,842 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
      I was telling my counsellor this week that even as a child I stole money from my parents for sweets and chocolate - but apparently that was logical as it was one of the few ways to give myself dopamine in a tricky family and school situation.”

    Ummmm ….. me too …. For similar reasons.
    <loud sound of penny dropping with a clang like a sauce pan lid>
    Wow. 

    Thank you for sharing that insight. ❤️

    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 = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th 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. 
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