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Prosperous & Creative Soul & MFW Year 3

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  • Fingers crossed for exchange today, and that everything goes to plan.  
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • Watty1
    Watty1 Posts: 6,828 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just catching up, hope everything falls into place today.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • jwil
    jwil Posts: 21,972 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good progress made yesterday, hope everything goes ok today.
    "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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks KK, MF, TG, Merlin, Jwil and Watty1

    I've chased the solicitor and left a message with another team in the end as I never get through to her. Hopefully she will call me back. I still need to put insurance in place. I have to be at home this morning as I'm waiting for my meds to arrive and will then go into work. I really want it sorting before I go. Naive hope I'm sure!! Hopefully going into work will give me a break for the house situation / overwhelm. Right best get to it...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Keeping everything crossed for you. 
    L
    Total 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 #124
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,062 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    How frustrating for you.  You think the solicitors would stress on them the necessity for sorting these things out well ahead of time.  
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

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