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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
    edited 30 May 2023 at 8:44PM
    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.
    I will get there it just feels endless currently. I'm proud of what I've achieved though even if there is a long way to go. 

    I use street view as my default on RM - as you say - clever angles hide a multitude of sins.

    I worry my cat is a bit destructive - he likes to sharpen his claws on anything available so can't imagine taking him with me.

    I'm loving the swimming... 
    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
  • SandyShores
    SandyShores Posts: 1,973 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    When we sold the last house I was amazed at how unbothered the estate agents were about the photos.  So I made them retake them whilst I cleared stuff out of the way for the angles they wanted.  I only had to clear a few things and then put them back again and it made such a difference.  And then you see properties online where they haven't even made the beds or have left clothes on the floor and/or clothes horses full of clothes etc.  It sounds like you are enjoying the results of your decluttering, so maybe if the price is right just advertise and see what happens - the right person might turn up.  But if not, you can keep decluttering and working on the house anyway, and if you need to relist in the future you'll be ready for those professional photos.  Sounds like you are making such good progress, I'm really pleased for you.
    "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 

  • jwil
    jwil Posts: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on today's progress.  Hope you get good news from the valuations.
    "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
  • DancingInTheRain
    DancingInTheRain Posts: 1,374 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Well done on the progress made x
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done  :)
    Also wish I had your cleaner & handyman.
    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.
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