📨 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

1218219220222224

Comments

  • Artwork is coming along at a fast rate.
    Nice savings with the lower survey. 
    Things will settle after the move goes through.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • The charcoal work sounds great…such interesting effects. Well done on your DS’s portrait. The Insta reel sounds good… my DD1 makes reels showing works in progress and does some sort of speeded up film so that you can see how the art work starts and develops.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • skint_spice
    skint_spice Posts: 13,436 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think I would have bought the keys too, it sounds a bit worrying otherwise!
    Mortgage OP 2025 £6250/7000
    Mortgage 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)
  • beanielou
    beanielou Posts: 95,663 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Another vote for the keys. 
    Well done on the portrait. 
    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.
  • TallGirl
    TallGirl Posts: 6,233 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Glad you have a lovely time with family sounds like a lot of work with moving the furniture but at least it is done. I would also have got some more keys cuts but I have found local independent ones a so much cheaper than say Timpson however Timpson is convenient as there are so many of them at least.

    Hope you get the solicitor stuff sorted and sent off sounds like it is all moving along as slowly as those things tends to do. Have you got any inkling of a move date yet?
    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#latest

  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Beanie, KK, TG and Skint

    Kids think they are immortal and that things like fires will never happen to them but yes why would you risk it? The front door is opposite the stairs and there's a doormat sized hallway. To not be able to get out of that door in a fire situation would be crazy. I've lectured them both. I've told them to leave a key half way up the stairs at night so it's out of reach of a hook and cane burglar but they could easily find a key if they needed it. Who knows if they will or not.

    I did a collage last night linked to my DD's portrait on a previous version I hadn't liked. I have more to do on that one. 

    I updated my finances last night and cleared a CC again. 

    I'm running behind as always. I have a meeting in 8 mins. Can't fit in a shower this morning but still need to dress. 
    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
  • Just catching up, so much going on but you're doing well. I'd also recommend the food delivery boxes as a way of taking a bit of pressure off. Also agree on the keys, no brainer! The portraits sound great, I don't have any artistic talent so a bit envious of you being able to create such lovely art. Take care x
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K 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

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.