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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,087Posts
    • 23,221Thanks
    smallholdingsister
    smallholdingsister's strivings
    • #1
    • 10th Aug 15, 11:39 AM
    smallholdingsister's strivings 10th Aug 15 at 11:39 AM
    Righto, so as Ed says later (ooh I can time travel!) One can't rebrand oneself on MSE. However...
    I do feel - and partly because of the experiences of another MFW who was getting somewhat robust criticism for not being hard core enough - that, well, I'm not nearly hardcore enough.
    So here I am. 43. Mortgage due to expire when I'm 55.
    I am going to try for getting rid of it by 50. Including a move to a smallholding as that's what I am aiming for (no s h i t!).
    I am planning a LOT of storecupboard challenges and a LOT of fiscal fasts.
    Here goes!
    Last edited by smallholdingsister; 10-08-2015 at 6:00 PM.
Page 132
    • smallholdingsister
    • By smallholdingsister 17th Apr 17, 7:32 AM
    • 3,087 Posts
    • 23,221 Thanks
    smallholdingsister
    Having to wait until tomorrow is killing me!
    • CathT
    • By CathT 17th Apr 17, 8:51 AM
    • 5,135 Posts
    • 35,341 Thanks
    CathT
    I bet! Keep busy today. Have you got your eye on any properties or have you stayed away from looking?
    June 2010 £121,287
    May 2017 - part 1 - £81,782
    -part 2 - £46,814
    Total - £128,596
    • smallholdingsister
    • By smallholdingsister 17th Apr 17, 9:53 AM
    • 3,087 Posts
    • 23,221 Thanks
    smallholdingsister
    We have got eyes on a few, one in particular. Don't want to get too excited though.
    • Watty1
    • By Watty1 17th Apr 17, 10:57 PM
    • 2,713 Posts
    • 18,962 Thanks
    Watty1
    hoping for news tomorrow from agent
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • FloppyDisk
    • By FloppyDisk 18th Apr 17, 7:12 AM
    • 402 Posts
    • 3,188 Thanks
    FloppyDisk
    Fingers crossed!!
    MFW July 2012 £139,642 / May 2017 £115,635
    Holy moly rainy cats and dogs savings £20,000/£4,349
    • smallholdingsister
    • By smallholdingsister 18th Apr 17, 7:22 PM
    • 3,087 Posts
    • 23,221 Thanks
    smallholdingsister
    We have an unacceptably low offer.
    • earthgirl
    • By earthgirl 18th Apr 17, 7:37 PM
    • 2,223 Posts
    • 17,910 Thanks
    earthgirl
    Oh no. Any chance of them upping it?
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    April 17 £33,710
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 18th Apr 17, 8:55 PM
    • 5,860 Posts
    • 42,760 Thanks
    apple muncher
    Bah, humbug!
    NST May #18; NSD 19; Ex 17; craft 71; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Watty1
    • By Watty1 18th Apr 17, 10:10 PM
    • 2,713 Posts
    • 18,962 Thanks
    Watty1
    oh no! Was hoping for better.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaying next mortgage. £79,491 now £52963
    • AlexLK
    • By AlexLK 18th Apr 17, 11:08 PM
    • 5,637 Posts
    • 28,980 Thanks
    AlexLK
    You need to see how much higher they are really prepared to go.
    Savings 2017: £2000. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • newgirly
    • By newgirly 19th Apr 17, 6:40 AM
    • 5,610 Posts
    • 38,443 Thanks
    newgirly
    Sorry it's not better news shs
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 5.5lb lost
    • greent
    • By greent 19th Apr 17, 8:00 AM
    • 5,819 Posts
    • 58,807 Thanks
    greent
    But no one expects their first offer to be accepted, so surely they'll up it...? xx
    Repaid mtge early (orig end 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Next up: BTL Mtge 12/16 Bal £69786. 2017 OP target (#18) £2000/£3286
    Net sales 2017 £457.00/£500 PAYDOX17 £9435/£10k Decluttered 750/2017 items
    • smallholdingsister
    • By smallholdingsister 19th Apr 17, 8:17 AM
    • 3,087 Posts
    • 23,221 Thanks
    smallholdingsister
    I should've thought so.
    • FloppyDisk
    • By FloppyDisk 19th Apr 17, 10:30 AM
    • 402 Posts
    • 3,188 Thanks
    FloppyDisk
    We have an unacceptably low offer.
    Originally posted by smallholdingsister
    I have never offered on a house and actually expected to pay that. They will know you have been on the market for a long while and will of course be cheeky, no doubt your asking was higher than your bottom line too, can you start to work towards that? This still could be the start of something exciting!
    MFW July 2012 £139,642 / May 2017 £115,635
    Holy moly rainy cats and dogs savings £20,000/£4,349
    • smallholdingsister
    • By smallholdingsister 19th Apr 17, 6:10 PM
    • 3,087 Posts
    • 23,221 Thanks
    smallholdingsister
    We are in possession of an offer 40k higher than the last one. Hoping we can put a chain together.
    • CathT
    • By CathT 19th Apr 17, 6:37 PM
    • 5,135 Posts
    • 35,341 Thanks
    CathT
    I was ready to post that the first offer is a start and hopefully you'll get a second offer! Great news, are you going to accept?
    June 2010 £121,287
    May 2017 - part 1 - £81,782
    -part 2 - £46,814
    Total - £128,596
    • newgirly
    • By newgirly 19th Apr 17, 6:57 PM
    • 5,610 Posts
    • 38,443 Thanks
    newgirly
    £40k higher I can't believe people would offer that much under to start with!

    Great news shs
    MFW 21
    Target for 2017 £38,545 / £10,784 paid so far

    Mortgage £49,452 4 years 10 months left. Total owed £69,512 planning to clear in 18 months
    Weightwatchers target - 29.5 lb start date 11/5/17 so far 5.5lb lost
    • FloppyDisk
    • By FloppyDisk 19th Apr 17, 7:02 PM
    • 402 Posts
    • 3,188 Thanks
    FloppyDisk
    Always worth a punt! Sounds like they are serious to up it so quickly, wooo!!
    MFW July 2012 £139,642 / May 2017 £115,635
    Holy moly rainy cats and dogs savings £20,000/£4,349
    • EatingTheElephant
    • By EatingTheElephant 19th Apr 17, 7:49 PM
    • 899 Posts
    • 4,546 Thanks
    EatingTheElephant
    That sounds a bit more like it! Fantastic. Are you off to start viewing now?
    • smallholdingsister
    • By smallholdingsister 19th Apr 17, 7:58 PM
    • 3,087 Posts
    • 23,221 Thanks
    smallholdingsister
    In Easter we viewed and found but obv couldn't offer or emotionally commit.

    Tomorrow I'll see if we can put a deal together. Golly Gosh!
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