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Prosperous soul, mortgage neutrality & creativity Year 2

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  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done  :)
    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.
  • jwil
    jwil Posts: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You've done amazingly well, you are inspiring me to get back on with it again.

    Enjoy the swimming, outdoor swimming in this weather sounds fab.
    "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
  • EssexHebridean
    EssexHebridean Posts: 24,426 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Our outdoor swimming place has been going through a refurb so hasn’t reopened yet - a shame as I bet they’d have made a fortune this weekend! Hopefully might be open by the time we return from hols - then for me it’s just a case of motivating myself to go! 

    Great progress on the decluttering and tidying - I’ve found that having place neater and tidier over the past few months has really reminded me how much I loved it when we first got here. 
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    You are doing so well savings, its nudging me to keep going with my decluttering.  
    "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 

  • incredible progress! room of doom to sanctuary!  am so impressed.

    I have not done anywhere near as much, but did achieve tip and cs run, mainly from mum's house, and then had a good go at decluttering a couple of boxes from the loft at my house whilst I was seeking out the summer clothes. 1 bag for cs, 1 tip run done with, as you had, small electrical stuff, and some things for the new flat, brand new pillows unopened and a light that just needs a shade added located and transferred to my folks, which is near the flat-to-be. 
  • also got my car cleaned whilst meeting a couple of friends for a short walk. Having a car full of scrappy bits is a bit stressful at the moment - who knows why? I've had an untidy car most of my life, but I guess it's the only place that is mine at the moment and private, and it is being a real workhorse just now. I am picking DD up from the airport tonight and it's much nicer in a clean car! 
  • Flossymuldoo
    Flossymuldoo Posts: 113 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Brilliant job with all your decluttering! I could really do with doing a declutter so you’ve already got me thinking of what I know could go. I wish i was better at keeping up wit it. Instead I leave it for a couple of years then something spurs me on and I have a frenzied clear out!
    28/12/24
    Deep savings: £14,492.28/£20,000.00
    Mortgage balance: £157,183.78
    MFW #53  £7.66/£10,000.00
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