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Prosperous soul, mortgage neutrality & creativity Year 2

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Comments

  • beanielou
    beanielou Posts: 96,923 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    It will all come together  :)
    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.
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,827 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Well done SH, sounds like you have made amazing progress. Keep in mind how it was a couple of years ago, so that you are able to remind yourself just how far you have come, in moments when it still feels overwhelming.  I’m finding the more that I declutter and clear, the more it is feeling like a new place and different to the marital home it was, somehow making it more our home and safe space.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,151 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    All sounding good with the mortgage you have chosen. Plus the holiday packing sounds like it's all coming together. Have a great time on your hols . 
    Life is an adventure, never stop exploring.

  • MovingForwards
    MovingForwards Posts: 17,165 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    You're doing so well decluttering and tidying. The proposed stay / move encouragement has come at the right time in your life.

    Make use of maps and 3arth to check out the immediate area as that could save money rather than the expense of going to viewings and immediately ruling a property out.

    With the weekends away, if DD does move out take care away with you. They'll get to explore a new property, can look out at different views and when you're both back home the outdoor adventures will carry on. There's plenty of places that do allow cats, for a small fee.

    Embrace the swimming and classes, use that as downtime and chill out. Can't have you running out of steam.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Remind yourself of what a difference decluttering will make to your overall mental wellbeing, rather than focusing on doing it for the sake of valuation. Also - when thinking about prepping the house for photos think about creating space rather than "staging" it as such - empty surfaces give a much better impression in my experience of the size of rooms and the overall look of a place - and also mean that people aren't drawn into wondering if things aren't where they are because there is nowhere to put them away. I'd also consider asking agents for their views on whether it's worth getting professional photos done at your price point - not wishing to be blunt, but there is a point in the market where people simply don't expect professionally done photos..... 

    You'll get there - just keep taking one small step at a time. 
    I could get mates rates on the photos - and they are very good at style and staging what you have too. However, I'll bear it in mind. I've seen terrible agents photos and it makes a huge difference. 

    It does feel like peeling an onion or probably more like a cabbage. Every time I think I've decluttered somewhere I see the next layer I still need to do. I have to laugh at the idea of not staging and just having empty space - as the latter would feel like a miracle in itself! Definitely a recovering hoarder... I have come a long way in the last few years but a long way left to go too. 

    All sounding good with the mortgage you have chosen. Plus the holiday packing sounds like it's all coming together. Have a great time on your hols . 
    I think you thought you were on EH's diary LOL as she posted above.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5K updated 10/10/25
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