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Prosperous soul, mortgage neutrality & creativity Year 2

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  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Sorry to hear about the driving test, but best that she is safe, and hopefully she knows what to work on now.

    Sounds very positive with your counsellor.
    "Think of many things, do one"
    Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • skint_spice
    skint_spice Posts: 13,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry test didn’t go well for DD
    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)
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Sandy, Merlin and Skint

    Well yesterday and the evening before I planted out a few more onions, some tiny survivors of my beetroot neglected watering and similar for dill - so will see if they survive. All the broccoli is now planted. My outdoor sugar snap peas have finally germinated - now I have more confidence to direct sow some more. I over-watered the indoor ones and there's no sign of them yet. Some peas (in a cardboard pot) that I moved after they were nibbled by snails are recovering and putting on leaves. I bought some lobelia, begonia and petunia - a week or so ago and am planting them out a few at a time too. I have multitudes of tiny aquilegia in my gravel so gradually rescuing them and moving them around my garden and into pots. I still need to direct sow some marigold and nasturtium.

    Before the valuation - ideally I'd get the following done (with help if possible):
    1. Weed the garden - particularly between cracks in paving
    2. Move the bins
    3. Tidy random items in the garden, put the hose back on its wall hanging reel
    4. Finish off bits of paint around the house that need touching up (banisters, ensuite, kitchen, room of doom and DD has some peeling paint)
    5. Touch up kitchen tiles
    6. Declutter and tidy
    7. Tip run - for wires, batteries, old curtain pole, old blind
    8. Charity - take bag of stuff to charity. Ideally find more stuff to donate
    9. Clean windows and mirrors
    Before professional pictures: 
    1. Pressure wash hard landscaping
    2. Finish fence painting
    3. Paint other rooms if needed? Unlikely to have time
    4. Stage house - e.g. Hang more paintings and mirrors, mostly remove stuff
    These are all jobs that could expand to fit the time available so I need to be wary of that. What I get done is very dependent on whether I get help. My cleaner is back next Wednesday before the valuation but I imagine I'll mostly need her to clean. My handyman may or may not be back. I need to work today but then I have a run of 5 days off. With two valuations on the 5th day and one on the 6th. 
    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
  • lucielle
    lucielle Posts: 11,517 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Would setting a timer and doing things in 15 minute spurts help?
    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
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    15 minute bursts are great & work really well for me.
    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.
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,125 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Wow SH!  That's fabulous progress.  My mantra when I was moving house was 'moving a mountain one rock at a time'.  It felt like I'd never get through such a massive task but moving a rock or two every day got me there in the end.  You'll get there too. Well done.

    Fortune x

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