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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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Glad l.ife is moving forward so well for you. The art is great as well.
How exciting to do an eat down freezer ahead of the move.. Though stocks always go up at Xmas I find. It took me months to defrost my freezer recebtly - I kept finding things argh!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#latest3 -
I think there are a few of us eating up our freezer stocks. Just when I think we are making progress more items shuffle their way to the front of the shelves4
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Delurking to say I've skim read the last few months of your diary and I'm so pleased you have found somewhere amazing.5
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Hope all is well with you SH.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
Hope all is ok with you.3
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Thanks Blackcats, Beanie, HSL, Merlin and Jwil
Appreciate the art comments.
Grateful I got a removal quote on my budget.
Merlin and Jwil - Still debating on the sofa as it would add another job to the list and I'm not confident I'd get a new sofa delivered quickly enough given I haven't ordered one yet - and don't want to until I'm more certain the sale and move are going to plan - and I know whether the survey will throw any curveballs on either side. It feels a mammoth task for me to get rid of 2 halves of a divan base (may be saleable), 2 stained mattresses and potentially a saleable collapsible metal bed frame. I still haven't photographed or listed the fridge freezer!Honeysucklelou2 said:Finally caught up on your diary. Wow, wow, wow…congratulations on finding a buyer and then finding a new place for yourself. Such exciting news! I’m so pleased for you.Lovely to read that you have been able to go to the Art classes and that you are enjoying creating your art. Love the mountain picture!Hope that the conveyancing goes through smoothly and you are able to move soon.
Hi HSL - nice to 'see' you again. It's been nice reading about your SO and your decluttering. I hate the unknowns with moving house. It's the uncertainty that I desperately want to be over.
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 29/7/255 -
Thanks LWAP, Blackcats, EH and CCW007
Thanks for checking in on me too.
I have been struggling big style with my newish meds - hopefully just two weeks left on them before I can swap back to the better ones. These have been keeping me awake until 2am and 3am regularly - with then a worsening of other habits and ability to self-discipline and keep my life on track (money, diet, time, tidiness etc). I have been spending more time making art - but to the point where it felt like an ASD fixation (which hasn't yet finished) with associated overspend and difficulties focusing on other things or remotely being able to switch off to go to bed. I even took half a day off work (two half days last week in total) as I was unable to focus on anything else. My house is suddenly ultra messy too - with too much out - e.g. art supplies and that then prolongs and adds to the other issues.
It was famous last words on my budget too as I've overspent compared with my plan... I am finishing the pay month with about £160 in my current accounts but around £300 on a CC. I can clear my spends in 2 days time - but my delayed gratification button seemed to well and truly broken! It was mostly art spend. A small amount of Xmas shopping. I have filled up on fuel which was £65 so that should mean I don't need to fill up twice this coming month so will be docking most of that cost out of next month. I'm struggling to cook at the moment - and am resistant to even reheating food I've made previously. I got a lovely Japanese MnS meal box the other day as a YS deal but now I'm craving that repeated taste which is a wee bit expensive!!! I tried a couple of cheaper versions (Japanese and Thai) from Sainsbugs but didn't like them so that felt like a waste of £.
These are all things that happen in my life from time to time - but I think are part meds related, part my on-going conditions and are also part symptoms of the out of control feeling I have around the move. I want to move - but just want it to be over and done. At the same time leaving a home I've had for the last 17 years is difficult. I got up midday pretty much both days over the weekend as I was just so exhausted.
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 -
Not surprised that you are exhausted to be honest.
No idea what to suggest~~sorry.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 -
£34 of my overspend was new bras as they were on a time limited 15% off deal on what I normally buy.
In terms of home move progress - on Saturday I packed my least used clothes into 2 cube boxes - and reckon I will only need another 2 cubes to pack my remaining hung clothes when the time comes. That made me feel a tiny bit more in control. I also filled another bag for charity - half clothes half hangers! I've put the latter in my car - in the hope I can nip to a CS at some point and drop it and another bag off. On Sunday I answered some Solicitor enquiries. I also managed a shower at around teatime and then went for a brief walk.
Today I had to be up and out early - which I'm hoping may then help with my sleep later as I took the first lot of meds slightly earlier. I'm overdue filling my meds monitoring form in. Need to try and do it before work tomorrow - but it feels complex and time consuming as I have to check weight, BP etc. I wasn't very meds compliant last week. I may just send him a note and see if he still wants the form on top.
I had to go in to the office today - and have to go in tomorrow too. Work has gone super busy - but this is part linked to my recent time off as everything keeps being compressed into a smaller window to get done. My car made a horrible rattling noise all the way home which made me panic - but thankfully it turned out to be a tree branch/thin stem which came unstuck as I drove onto my drive.
I keep having to say to myself - given my various conditions - I'm coping well. A few hundred pound overspent while not ideal - is fine given I have savings. Practically everyone finds moving hard - especially if you are trying to declutter along the way - and especially with it being to a new area.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 29/7/258 -
I agree, you are doing really well for all the reasons you oust, plus the fact you are doing most of this on your own 😊
Reference some of the bulkier items - our local council charges c. £15 to collect three bulky items from your kerb. I got rid of a king size bed and mattress that way when we moved here. Might be worth looking at what your current council does?
Also, re old fridges etc. I had a larder fridge and separate freezer that I didn’t need when we moved in here - priced to SELL on FBMP and they were collected-gone within 48 hours.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 42 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 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.7
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