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Prosperous soul, mortgage neutrality & creativity Year 2

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  • I live in a flat and dont have a dryer either,  nor a garden - just a fold airer things   and I have had no issue with dampness over the years.,

    Good to see your house moving forward.

    Glad you are not injured from your accidental ballet poses on the algae - hope you are not too stiff

    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Most times solicitors advise not to get searches done until mortgage offer received as it saves money if they're declined. 

    Does your employer offer any discounts as it may be worth looking to see if a removal company is listed.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your appointment went well, and glad you can stick with the same people.
    "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
  • Humdinger1
    Humdinger1 Posts: 2,303 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Sometimes I find it is worth dragging myself around a half hearted walk just to get the body moving and tire it out a little. They say that if you do it first thing in the morning the daylight helps to reset your body clock, but I've never really been consistent enough to notice that.

    Sounds like you're making a lot of progress in trying different things with your bandstand - sometimes the most frustrating progress is the most worthwhile in the long run!
    Bandstand?!
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the fall. Can the handy man mend the pond? 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • beanielou
    beanielou Posts: 95,664 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sometimes I find it is worth dragging myself around a half hearted walk just to get the body moving and tire it out a little. They say that if you do it first thing in the morning the daylight helps to reset your body clock, but I've never really been consistent enough to notice that.

    Sounds like you're making a lot of progress in trying different things with your bandstand - sometimes the most frustrating progress is the most worthwhile in the long run!
    Bandstand?!
    It’s a picture. 
    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.
  • When I lived in a flat without a dryer I just made sure to leave windows on ventilation - I had to do that anyway because the bathroom had no external windows and the fan was terrible.

    Heated airers are also good but still need the same ventilation imo.
    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 2025
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Jwil, Humdinger, Lucielle, Beanie and Merlin

    The handyman previously mended the pond. The new liner I bought last year was £20-25 - I can only think that plant roots have punctured a hole in it. I'm not keen on spending any more money on it with moving. Will go out and see what happened after I turned the pump off. Alternatively I've found previously if the rill gets too full - the bit between the waterfall and the pond - that leaks so it could also be that which is why I turned the pump off. The blanket weed is a key part of the problem - so if the pond is lower that could be easier to resolve. I may move my water lily and pond plants into the rill so that they survive while I cogitate (always wanted to use that word!!) I have today off and DS isn't arriving for another couple of hours or so - will inspect in a bit. Still need to get dressed!

    Counselling went well yesterday although I was five minutes late. I was similarly late to art class despite having the day off!! Last night we were painting shells and similar beach finds. I enjoyed working alongside like minded people - but wasn't overly impressed with my work last night. I was amazed at the intricacy of an oyster shell when you try and paint it. Outside of that I have spent the last couple of evenings painting a huge metallic hummingbird. I'm thrilled with it and have now put it in the gap on DD's wall left by the removal of her belongings.

    I have also been listening to a moving and brilliant fictional book about an 11 year old autistic girl called a 'A kind of spark.' It illustrated really well the kind of bullying, put downs and misjudgments people make about the condition. It also described really well how it feels to be autistic and how sometimes when we most need them - we shut down and lose our words. For any parents I would suggest you listen to it first and consider whether it is right for your child but it would probably help you as much as them. I would recommend listening instead of reading as the narrator was excellent at voices.

    I've gone ahead an paid for the searches so that's another thing off my list. Paid on a CC - will then move the £ across in a few days. I need to get some more quotes for moving costs. Yesterday's was a big national organisation

    My pay has been settled so I should get the backpay (about £1500 gross) no later than Christmas pay. I'm still debating whether to send a chunk of the extra to AVCs in December or just see it as help towards moving / new furniture.

    Next I need to do a meds monitoring form. Such an exciting life!!
    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
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    SH - you have until early April to make your AVCs in this tax year, so I would keep the cash in a savings account given your potential need as your House hunting reaches its crescendo (I always wanted to use that word !!)
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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