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Prosperous soul, mortgage neutrality & creativity Year 2

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  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks WD

    I followed @Blackcats suggestion from a while ago and bought an audio book by Dana W about de-slobification!! aka decluttering.  Then I improved the hallway and the front room. Probably filled the equivalent of 2-3 bin bags of stuff I let go. Other stuff I containerised... I did the dishwasher three times and did 3 loads of washing!

    The mental load in my living room has gone down substantially. There's more left to do though but it does feel very worthwhile. I already feel a payback.

    The bin gets emptied Monday - mine is now full - but hopefully I can put some in next door's bin. Some of what I let go was glass bottles that I'd kept for craft projects but I can get them again so let them go for now as that's not my current main craft....


    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
  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Congrats on the water Bill.  Excellent to be ahead.
    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
  • lucielle
    lucielle Posts: 11,513 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done SH. We’ve got to start packing so I’m sure I’ll be joining you on the decluttering. 
    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
  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Brilliant work on the decluttering, well done!  I'm hoping to so some over the next couple of days too.

    Great news about water bill as well :)
    "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
  • FlacosFloozie
    FlacosFloozie Posts: 830 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Fantastic on the decluttering! It really does make life easier.
    MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.14
  • Humdinger1
    Humdinger1 Posts: 2,309 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @savingholmes I'm off to swim outdoors this morning for the first time this year!  It is indeed wonderful. Re weight loss, I find it easier when I've worked out what the weight I'm hanging onto represents.  I can then see how that fits with where I am and where i want to be.  Going to a low carb diet did wonders for me.  You are doing brilliantly love Humdinger xx
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