We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Prosperous soul, mortgage neutrality & creativity Year 2
Comments
-
Impressive as ever @savingholmes! Self-awareness can be exhausting but it's so worth it. Following your house journey avidly love Humdinger xx3
-
I hope your colleagues help to pick up the slack and things improve at work.
All sounds good outside of work, and good that DD is coming along for the viewing 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 McGee2 -
Finally caught up with the whole of this diary wow you have come a long way and so much has happened. I do get you with making the final decision on where to live it is so hard and only you will know. I decided to sell my first home I had had with my ex to move in with my new partner. It was tough but we both knew as soon as we walked into this house it was the one. Hope the viewing Saturday goes well. Also well done to DD will make your life easier not having to be mums taxi.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest5 -
Don't forget to take into account how each house makes you feel
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) 25/0720255 -
Thanks Mark, Tahlullah, KK, DIA, Jwil, @humdinger1 and @TallGirl. Thanks for the cheerleading and encouragement.
I'm trying to just use the comb on the cat for now - as Merlin warned me about redosing him to soon. At least they aren't wiggling on the comb - so I'm hoping they're dead and I'm just getting rid of the detritus.
On the work side of things - I got people to pick up their game a bit the last few days. There are still lots of issues but I've been very explicit about them so if my worst fears materialise it shouldn't be a surprise to anyone senior. Not exactly how to win any popularity contests though. Luckily that's not the name of the game. KK - the particular issue I have right now should improve significantly within 3-4 weeks - and then I can have a mini holiday all being well.
I nipped to a shop at lunchtime and bought myself some treats. I also took the shorter acting meds
in 2 half doses at 2 and 5pm and I think they did help - so it may be partly meds related how I've been feeling. I certainly felt calmer again after taking them.
TallGirl said:Finally caught up with the whole of this diary wow you have come a long way and so much has happened. I do get you with making the final decision on where to live it is so hard and only you will know. I decided to sell my first home I had had with my ex to move in with my new partner. It was tough but we both knew as soon as we walked into this house it was the one. Hope the viewing Saturday goes well. Also well done to DD will make your life easier not having to be mums taxi.
Well done on the mammoth effort. I've ready my diary back this week and it helped. I think if at all possible I need to hold fast to the dream of beautiful views. I think I'd regret their lack more than I'm at risk of regretting the inconvenience of moving but time will tell.
On the house - really hoping it's the one tomorrow. I have givens days/weeks/months/years of my life to RM - it would be good to finally pick one and be done. I talked it over with DD and she said she would come and visit me there which was one of my worries - whether we'd just drift apart. I think DS will visit occasionally - but he's older and more independent and doesn't live anywhere near as close.
I spoke to the EA about my house sale - he is awaiting their solicitor details so he can do final checks on them. Only because I rang did he then ask me for mine. He's had something about their mortgage AIP I think so that sounds positive. I need to instruct my solicitors over the weekend but would be more comfortable if I'd had an offer accepted on a house too. Still debating what to offer at if I do offer. Really hoping the viewing is positive tomorrow and that my sis is helpful without being a doomsayer. The house sellers are splitting - so it may also factor in to how keen or otherwise they are to sell and move on - could be a good or a bad thing. It didn't sound like they needed to await a divorce though so hopefully that will make it quicker.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 -
Hope all goes well tomorrow.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.
Well Vgd completed my pension move in days rather than the weeks they said it could take. Just hope it starts to improve from here on out. I've put it in pretty much the same fund as my AVCs and that is up at the moment so I'm hoping it will go up too.
I'm hoping our pay will be settled soon and then I'll get some backpay (to April). Last year - that came at Xmas - really hoping they sort it a bit quicker this year. Either way it should help with the move. I'm hoping not to need to borrow to move - but one of my CC's has just sent me a good transfer rate if I did need it.
The next 6 weeks is due to be expensive car wise - mot, I want to service it - and it is likely to need a new tyre. I need to get all of those booked in. The insurance is also due. I'm also likely to start incurring legal costs etc soon for the house move so need to work out when they want paying - from the sale or upfront.
The extra meds definitely helped today. So I'm going to add them in next week when I'm back working to see if they make a consistent difference and keep some in my bag.
Been watching more Til DDUP this week. Reminder of where I've been and therefore how far I've come.
I'm coming up to the two year anniversary of my current mortgage (and divorce) in a couple of months. I never thought I'd get so far clearing clutter in that time - or have the money and improved pension I do now. As many of you have said I have to keep reminding myself of what I have achieved.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 29/7/2511 -
Hoping that things go your way tomorrow, and you get some positive outcomes. It's hard to believe it's nearly 2 years since your split with Ex, seems like five minutes ago! .... having said that you have moved mountains since then, so it's my sense of time that's scewed!
Really pleased that DD passed her driving test, it will make life a lot easier for both of you, and help her sense of independence (and self worth) Did she move in with Ex or somewhere else? (((hugs))) XXI Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy5 -
I'm pleased to read the extra meds have helped yesterday. You really have achieved so much over the last 2 years, well done. Congratulations to DD on passing her test too, it will benefit you with her being more independent. Really hope today goes your way, good luck. Also sending positive thoughts for the next few weeks at work.3
-
Have a great day with your sister, I hope there are many positive noises from her.
Well done on all your achievements over the last couple of years🎉🎉🎉Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards