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A trilogy in seven parts.....hypno's latest efforts

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Comments

  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    loved the property descriptions... gave me the best laugh of the day
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    "home as mother nature intended"

    In drastic need of renovation - weeds growing up the broken down internal walls as well as smothering all the best bits of the garden in briers...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    :rotfl::rotfl::rotfl::rotfl::rotfl:

    What are you lot like?!

    I don't fancy living in any of those houses!! Especially not the sh!theap :eek:
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    ShelleyC wrote: »
    :rotfl::rotfl::rotfl::rotfl::rotfl:

    What are you lot like?!

    I don't fancy living in any of those houses!! Especially not the sh!theap :eek:

    Ah well, I wouldn't bother with the EDP property bit then....they're all like that.....
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    Might have to have a stroll down estate agent row over the weekend instead then.

    Although all the EA are probably feeling perky with this weeks freaky rise :mad:
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    "deceptively spacious" i.e. very badly planned, painted black or can't see the floor for the crap on it (oops, back to that again :rotfl:)
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ShelleyC wrote: »
    Might have to have a stroll down estate agent row over the weekend instead then.

    Although all the EA are probably feeling perky with this weeks freaky rise :mad:
    well I sympathise for people trying to get on to the housing ladder but in theory I lost £15K since this time last year so to be honest I would welcome an upturn - especially before my mortgage rate is due to change in a year and my loan to value ratio will be all wrong!:eek:
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Hi gallygirl! Did you have a good holiday?!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    savingholmes wrote: »
    well I sympathise for people trying to get on to the housing ladder but in theory I lost £15K since this time last year so to be honest I would welcome an upturn - especially before my mortgage rate is due to change in a year and my loan to value ratio will be all wrong!:eek:

    I actually don't think there's going to be huge further drops but any rises will start all the EAs going wappy. I had a row with one at the begin of the crash who said larger houses in Norfolk wouldn't be affected. The house concerned has only just gone under offer for 45k less than we were discussing then.

    I do really feel for anyone who's in NE or had their LTV ratio b*ggered up and but for a quirk of fate I'd be one of them.
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    I'm hoping that property prices fall a bit more.....or at least stay where they are. Then I hope that some of those people who overstretched themselves big big time, in big big houses, have to sell dead cheap.......(not that I wish ill fortune on anyone, really)

    .....but not until I am debt free please!!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
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