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Prosperous soul, mortgage neutrality & creativity Year 2
Comments
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SandyShores said:Agree with the scary smart meter display unit savingholmes - when the kettle, microwave and oven are going at the same time its a lot. I haven't done a proper timed test, but DH says that when I use the electric ensuite shower it uses loads more than the main bathroom one fed from the gas boiler. I prefer using a proper shower cubicle, but I might have to reconsider at some point or be really really quick.🎉 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/her4 -
EssexHebridean said:SandyShores said:Agree with the scary smart meter display unit savingholmes - when the kettle, microwave and oven are going at the same time its a lot. I haven't done a proper timed test, but DH says that when I use the electric ensuite shower it uses loads more than the main bathroom one fed from the gas boiler. I prefer using a proper shower cubicle, but I might have to reconsider at some point or be really really quick."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 McGee5
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Thanks all.
Yesterday my cleaner worked her magic and repaired a door handle that was coming apart. She also assembled the cat 🐱 house.
Had counselling today and have gone for a meal after so have more time to unwind before returning home. That will eat into my float but should work out.
DD is away for a few days from Sunday but I have a long trip to drop her off. Hopefully I can make myself start exercising while she's away. Looking forward to the peace.
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 29/7/256 -
savingholmes said:Thanks all.
Yesterday my cleaner worked her magic and repaired a door handle that was coming apart. She also assembled the cat 🐱 house.
Had counselling today and have gone for a meal after so have more time to unwind before returning home. That will eat into my float but should work out.
DD is away for a few days from Sunday but I have a long trip to drop her off. Hopefully I can make myself start exercising while she's away. Looking forward to the peace.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 20257 -
Can I pretty please borrow your cleaner.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.3 -
I got first dibs in months ago! I wish I really do wish. Quite apart from her ability to get rid of stuff, and that is massive, I need someone who can clean stuff below knee height. I did wonder if I paid for her to stay at a local hotel she would help but then the hotel shut down although there is a best western just down the road. But who would go anywhere for a best western?
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Your cleaner sounds fabDFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved3 -
@savingholmes I think time to self is essential, even for extroverts. I think you may be more introverted so need it even more; a lot of creative people find this I've read. You are doing brilliantly love Humdinger xx3
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Sounds like a good start to the new year, counselling, good food and moving forward with the house.Mortgage OP 2025 £6250/7000Mortgage 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)3 -
The house is very cute and you've a lot of great goals to work towards.
Don't rule out 1SA's especially when getting close to your savings limit.Mortgage started 2020, aiming to clear 31/12/2029.5
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