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Prosperous soul, mortgage neutrality & creativity Year 2

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Comments

  • KajiKita
    KajiKita Posts: 8,281 Forumite
    1,000 Posts Fourth 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 15.09.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 56 books of target 52 in 2025, as @ 4th October 
    Produce tracker: £417 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. 
  • savingholmes
    savingholmes Posts: 29,065 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 in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • savingholmes
    savingholmes Posts: 29,065 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well send £200 to my 8% savings account next.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • jwil
    jwil Posts: 22,375 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: 3,982 Forumite
    Sixth 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: 13,521 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 2025 £7050/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,965

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • lucielle
    lucielle Posts: 11,575 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
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