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Prosperous soul, mortgage neutrality & creativity Year 2

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Comments

  • KajiKita
    KajiKita Posts: 10,695 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    Those sky colours for the mountain scene sound glorious 😊❤️🤩
    Moving video survey? Is that how it is done these days?

    KK
    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 64 books of target 52 in 2026 as @ 2nd September. 
    Produce tracker: £315 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • savingholmes
    savingholmes Posts: 29,221 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    Those sky colours for the mountain scene sound glorious 😊❤️🤩
    Moving video survey? Is that how it is done these days?

    KK
    Thanks on the art - I will send you a PM of the image when it's done.

    The video survey is for the removal company. I have one coming in person and another video booked in via What... which I will need to download.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166K Equity 38.51% 29/8/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • savingholmes
    savingholmes Posts: 29,221 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well send £200 to my 8% savings account next.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £166K Equity 38.51% 29/8/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • jwil
    jwil Posts: 23,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a nice weekend and DS likes the house too.
    "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
  • Blackcats
    Blackcats Posts: 4,739 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Glad you enjoyed your weekend.  It's good that your DS endorsed your choice of location for your new house.  
    Well done for keeping up with savings into your regular saver.  

  • skint_spice
    skint_spice Posts: 13,806 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I am glad your DS is keen on the area you are moving to.
    Mortgage OP 2026 £1870/2000
    Mortgage balance: £29,865

    Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30, Jun £120, Jul £0, Aug £45, Sept



  • lucielle
    lucielle Posts: 12,021 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It’s all sounding positive. 
    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
  • All sounding good, lovely to hear you sounding so positive

    Debt Busting Again in 2026!

    Starting Debt 03.05.26 = £5345 Current Total 01.09.26 = £3442

    Clear M&S Card Starting Balance 03.05.26 £600 Cleared 05.07.26 💚

    Clear V12 Finance Starting Balance 05.07.26 £600 Cleared 12.08.26 💚

    Clear Barclaycard Starting Balance 12.08.26 £940 Current Total 01.09.26 £742

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