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Prosperous & Creative Soul & MFW Year 3
Comments
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That’s so nice to read glad the visit went well and you are now reassured and no big scary stuff have been discovered.Also glad your DD liked it too that’s important. Enjoy your new found sense of calm. Any idea of exchange dates yet?Moved to Denmark for FIRE by Aug 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#latest3 -
Positive news for youI 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.
One debt remaining. Home improvement loan. 20 months left.3 -
Oh I am so glad that the second visit went so well 🤩😊 That sense of flow you’ve had ever since deciding to buy it was not an illusion ❤️
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 23 books of target 52 in 2026 as @ 28th March.
Produce tracker: £59 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Thanks TG, Beanie and KK
If the three parties agree could be 30th... so just over 2 weeks. I've just got my neighbour to witness the related forms. Now debating getting a courier tomorrow to take them for the following day. Need to check out options. The seller has done the recommended electrical work just awaiting updated certificate so that's fantastic news.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/268 -
Everything is coming together and the family visiting seems to have been the reassurance needed.
Could packing / decluttering one room at a time be easier?Mortgage started 2020, aiming to clear 31/12/2029.1 -
All very positive, great news!Mortgage OP 2026 £500/2000Mortgage balance: £32,595
Make £50 a month Jan £20, Feb £0, March £26
Boiler fund £1981/30003 -
So pleased the viewing went well today.
I agree with @EssexHebridean - I think the removal men work very hard, are flexible and are skilled at what they do. I personally like to give them a tip as a tangible way of thanking them for helping me through a long and busy day.3 -
It sounds like is all coming together. Exciting times ahead.LTotal 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 #1243 -
Brilliant news about the house!"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 McGee1
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Thanks Jwil, Blackcats, MF, Skint, Lucielle
Well we've had a dusting of snow overnight. Had to use my electric blanket in the night as even though I'd left my heating on low it was still cold. Feeling exhausted today - but relieved that BIL thinks the house is okay.
I've emailed my solicitor. I need to finish getting dressed and then send my property docs recorded delivery. Will be slightly late starting work. Apparently the type of doc it is can't be sent by the couriers I investigated. I'll also return my signed mortgage offer. Hopefully on the home straight now (pun intended!).
It's far too logical to pack one room at a time MF and it appears I'm not capable of that
. I still need to finish DS's room and I brought stuff in from the garage into my lounge as it's warmer so that's a work in progress too. They are my main focus currently. However from 9pm last night I also made some art... with attendant mess / extra items out... It felt like a good time to play with grout on a canvas and then paint it - plus some glitter, use of shaped rollers etc. I did throw away 2 tubes of filler as they'd gone off so worth it for that. I think I was too heavy handed with the glitter so think I have more work to do. I need some light relief to balance the packing and sorting though. Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/267
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