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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Thanks Jwil, Lucielle and FS
I practiced parts of it beforehand. Channelled FS and pointed out the error of their ways, their failure to manage expectations or deliver on their promises. I explained the knock on impacts that then had. As a result they are going to redo part of the work. It then however flushed out other things we thought they were doing that weren't on their list so I need to investigate that more before working out next steps.
I am well and truly in credit Flexi wise. Because of their major failure whereas I had considered working Monday, I will now have the whole weekend off guilt free as I can't do my next bit until they have done theirs.
I took myself to my fave pub for tea with my fave drink so good start to the weekend. I am going to see what's on in the area and try and get out and about.
Have a lovely weekend all.
Just had a viewer book in next weekend.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 -
So glad that all is resolved.
Enjoy your weekend
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 -
You sound much better. Glad work appears more under control.
A viewer is great. It only takes one.
Have a relaxing weekend.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) 25/0720254 -
Great news about the viewer. Have you decided what you will do if you get a reasonable offer?What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park3 -
Thanks Beanie, DIA and Tahlullah
Any offer would need to be very close to asking price as otherwise it makes it so much harder to buy the right place next. I think I am therefore likely to hold out. I am at peace with not selling. I think even if I accepted an offer I'd suggest they hold off spending until I found right place for meAchieve 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 -
Well done on the difficult work conversation, hope you have a good bank holiday weekend 🤞4
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I had a working week where it ended on an ‘up’ like yours - it makes such a difference doesn’t it 😊
Excellent that you can have the whole three days to yourself too - enjoy 🤩
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 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.4 -
Agreed KK - me tooI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Glad you got it sorted. Enjoy your weekend! Great news about the viewer as well."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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Well done SH - sounds like you handled that work conversation really well.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living4
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