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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,197Posts
    • 23,814Thanks
    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 140
    • Secret Saving Squirrel
    • By Secret Saving Squirrel 5th Jun 17, 1:32 PM
    • 3,829 Posts
    • 35,553 Thanks
    Secret Saving Squirrel
    Last half term now. Hopefully the timing of the move will work out beautifully to coincide with the school holidays. X
    Paid off mortgage nine years early in 2013. Now picking and choosing our work to fit in with the rest of our lives!
    Still thrifty though, after all these years
    • smallholdingsister
    • By smallholdingsister 5th Jun 17, 6:54 PM
    • 3,197 Posts
    • 23,814 Thanks
    smallholdingsister
    Hi Foxyloxy. Welcome!

    7 weeks for me.

    Today has been mental. Ponyplops escaped twice. Renaming her Houdini.

    Purchase has been valued at 60k less than agreed price. Aarrgghh.
    • foxyloxy11
    • By foxyloxy11 5th Jun 17, 7:19 PM
    • 177 Posts
    • 1,012 Thanks
    foxyloxy11
    might work out well for you if they take less
    365 day penny challenge - £55.65/£667.95
    £1000 Emergency fund challenge #225 - £375.63/£1000 Stage 1
    • smallholdingsister
    • By smallholdingsister 5th Jun 17, 8:03 PM
    • 3,197 Posts
    • 23,814 Thanks
    smallholdingsister
    The problem is they won't take all the land into account.
    • EatingTheElephant
    • By EatingTheElephant 6th Jun 17, 6:37 AM
    • 959 Posts
    • 4,882 Thanks
    EatingTheElephant
    Eak, is it still do-able with the lower valuation but at a higher LTV or a different lender that would appreciate the land? How frustrating.
    • Brodiebobs
    • By Brodiebobs 6th Jun 17, 3:53 PM
    • 745 Posts
    • 3,092 Thanks
    Brodiebobs
    aw no why dont they take land into account?? Surely that adds to the value?

    We were told by the H@lif@x additional land would add value, we ended ul
    p buying it cash on a separate title deed to avoid even costlier solicitors fee's but at some point it will added back and hopefully increase our mortgageable value!
    Addicted to MSE.
    Overpaying mortgage for a better debt free life!
    • smallholdingsister
    • By smallholdingsister 6th Jun 17, 6:51 PM
    • 3,197 Posts
    • 23,814 Thanks
    smallholdingsister
    They are silly twits. Land attached to the house surely adds value.

    It will just cost an extra £16 a month. It will be interesting to see what the real survey (ours) values it at tomorrow.

    Brodiebobs your house sounds fab.
    • CathT
    • By CathT 7th Jun 17, 6:57 AM
    • 5,148 Posts
    • 35,423 Thanks
    CathT
    Seems daft they don't factor in the land. Hope your survey takes it into account. Good to see things are progressing SHS.
    June 2010 £121,287
    May 2017 - part 1 - £81,782
    -part 2 - £46,814
    Total - £128,596
    • smallholdingsister
    • By smallholdingsister 7th Jun 17, 6:01 PM
    • 3,197 Posts
    • 23,814 Thanks
    smallholdingsister
    Thanks Cath. I am being tipped for a promotion at work. I would rather not know that if I'm not goingcto get it though.
    • AlexLK
    • By AlexLK 8th Jun 17, 11:14 PM
    • 5,668 Posts
    • 29,195 Thanks
    AlexLK
    There can be problems with mortgage companies and land, I'm not surprised, unfortunately. Glad it won't cost you a lot and good luck with the potential promotion.
    Money saved 2017: £3330. 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.
    • smallholdingsister
    • By smallholdingsister 9th Jun 17, 12:58 AM
    • 3,197 Posts
    • 23,814 Thanks
    smallholdingsister
    Thanks Alex. Can't sleep because election!
    • apple muncher
    • By apple muncher 9th Jun 17, 7:19 AM
    • 5,959 Posts
    • 43,460 Thanks
    apple muncher
    Did you stand then?
    NST June #1; NSD 10; Ex 10; craft 89; remove 473
    2017 MFW#63 Pay off: £2189/£4000; 2
    017 sell 110

    Mortgage £24,881 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • BISCUIT1
    • By BISCUIT1 9th Jun 17, 12:54 PM
    • 29 Posts
    • 32 Thanks
    BISCUIT1
    Long time lurker...first time commenter! I have found this re land...the people we bought our house off paid £30000 for 2 acres of land attached to our house...when we bought it all off them only 4 yrs later we only paid £10000 more than they had bought just the house for origionally so they lost £20000 on the whole thing. Also we had the opportunity to buy 3.5 more acres attached to our field but we were told by estate agents that it wouldn't actually increase the value of our whole property at all..it just doesn't make sense to me!!
    • AlexLK
    • By AlexLK 9th Jun 17, 4:16 PM
    • 5,668 Posts
    • 29,195 Thanks
    AlexLK
    Election was an absolute shambles.
    Money saved 2017: £3330. 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.
    • smallholdingsister
    • By smallholdingsister 9th Jun 17, 5:18 PM
    • 3,197 Posts
    • 23,814 Thanks
    smallholdingsister
    Hi Biscuit!

    It could have been worse, Alex!
    • AlexLK
    • By AlexLK 9th Jun 17, 11:13 PM
    • 5,668 Posts
    • 29,195 Thanks
    AlexLK
    Yes, it could. PM Corbyn, anyone?
    Money saved 2017: £3330. 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.
    • smallholdingsister
    • By smallholdingsister 10th Jun 17, 6:26 AM
    • 3,197 Posts
    • 23,814 Thanks
    smallholdingsister
    Alex you are saying that to a leftie teacher so the answer is yes please.
    • AlexLK
    • By AlexLK 10th Jun 17, 11:24 PM
    • 5,668 Posts
    • 29,195 Thanks
    AlexLK


    I can't say I'm May's biggest fan but I also cannot imagine the alternative.
    Money saved 2017: £3330. 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.
    • smallholdingsister
    • By smallholdingsister 11th Jun 17, 9:19 AM
    • 3,197 Posts
    • 23,814 Thanks
    smallholdingsister
    I met my first actual communist last night.

    Went to a party a looonnnngg way away. Very jolly.
    • Karmacat
    • By Karmacat 11th Jun 17, 9:32 AM
    • 27,375 Posts
    • 148,192 Thanks
    Karmacat
    Now, if the national conversation was carried on as well as you two peeps just did, we'd be in much better shape

    Communists I used to go to socialist stuff all the time, and often got addressed as "comrade" (the odd "compagnera" in there too ) but I only ever met a genuine English revolutionary once - in the sense of hiding their true motivations and wanting a full coup d'etat - pretty girl who looked like a model, and wore silk dresses to her work with a charity! I assume she grew out of the revolutionary stuff, but you can never tell ...
    Save
    Retired August 2016

    Goal: earnings of £25k from new opportunities from September 2016 to December 2020 when my state pension kicks in.Save
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