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Prosperous & Creative Soul & MFW Year 3

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Comments

  • skint_spice
    skint_spice Posts: 13,564 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congratulations on the new house, I hope it all goes through smoothly and quickly and you regain some headspace.
    Mortgage OP 2025 £7500/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,465

    Money making challenge £78/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • jwil
    jwil Posts: 22,513 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your afternoon went well, and all sounds really positive.  Hope you manage to have a good rest tonight
    "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
  • beanielou
    beanielou Posts: 96,766 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    jwil said:
    Glad your afternoon went well, and all sounds really positive.  Hope you manage to have a good rest tonight
    From me too.
    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.
  • KajiKita
    KajiKita Posts: 8,518 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Your buyers sound genuinely invested in your place and like they will want to make it work and I am delighted by your enthusiasm for the cheaper new place. It sounds like it makes more sense to both your heart and your pocket ❤️👏😊🤩

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 60 books of target 52 in 2025, as @ 30th October 
    Produce tracker: £426 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • beanielou
    beanielou Posts: 96,766 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    KajiKita said:
    Your buyers sound genuinely invested in your place and like they will want to make it work and I am delighted by your enthusiasm for the cheaper new place. It sounds like it makes more sense to both your heart and your pocket ❤️👏😊🤩

    KK
    Absolutely this. 
    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.
  • MerryHen
    MerryHen Posts: 81 Forumite
    Fourth Anniversary 10 Posts Photogenic Name Dropper
    edited 9 December 2023 at 11:17PM
    I've just caught up with your diary. You sound really positive about this place, and it sounds like a good fit. Your long term plans are detailed and well thought out, I'm looking forward to following along (and maybe picking up a few tips!) :)
    Mortgage free 13/06/2023 🥳
    8.5 years early saving ~£20,000 in interest.

    Short term goals:
    As of January 2025
    Save emergency fund: £8700/£15,000 (58%)
    Pay personal 🚗 loan: £-190

    Mid term goals:
    Next car fund: £4200/£20,000 (21%)

    Longer term goals:
    Fix up the Hen House 🏠
    Save for retirement 
  • TallGirl
    TallGirl Posts: 6,314 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So pleased to read about your buyers that sounds really reassuring. You new tree look lovely and minimalist. Fab if they are happy to take/buy your furniture. We got our sellers bedroom furniture saved a lot of money and hassle moving it around it’s super heavy. 
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

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