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Buffy Keeps on the Straight and Narrow

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  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Oh Buffster :rotfl:
    I dont tell you to go to the DR's all the time~~much :rotfl: :rotfl:


    Sorry about your mum, the stress has probably caught up with her too :(

    Not long til the next holidays :j :j
    How is car hunting going?

    Mum is doing ok I think, ate some lunch has stayed in all day as I have the car. so that is good.

    Mechanic has a Nissan Micra to look at :) so we shall see.

    Rang gardener, half sorted car - not making the bloody noise now so didn't want to drive it there unnecessarily and look like a muppet.

    Mortgage people.... I think you might have a point INOD. I have requested a call back for tomorrow. I really think it is time for a financial advisor.

    Got planning to do. Didn't spend any money today. xx
    Nevertheless she persisted.
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So where are you planning to go on holiday Buffy and how much are you planning to spend....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • Pooky
    Pooky Posts: 7,023 Forumite
    1,000 Posts Combo Breaker
    Have a look online at mortgage rates, eldest DD just did a mortgage in principle application online with her bank and got a much better figure than we thought.
    "Start every day off with a smile and get it over with" - W. C. Field.
  • beanielou
    beanielou Posts: 96,086 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Pooky wrote: »
    Have a look online at mortgage rates, eldest DD just did a mortgage in principle application online with her bank and got a much better figure than we thought.

    Thanks great Pooky :)

    Good idea Buffy :)
    I 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. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I spoke with an IFA recently and he was very helpful and not at all pushy (though I did choose the company that work with one of the big unions). And not sniffy at my lack of savings.

    I'd try an IFA or mortgage advisor, or actually more than one and then you can check them against each other ;)
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Oh and the company that sponsor the FTB guide on this site were also very good. I didn't go with them in the end as I felt happier knowing that my mortgage advisor was local and the deal was about the same, but I will definitely ask them about a remortgage.
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    sorry to have disappeared for a bit, Mum got a bit better but today has been worse. pain in her head which is concerning.

    Gardener let us down which caused stress and upset. Also he is working for neighbour so we won't call him back and to be honest he has messed us about loads. Grrrr.

    so a rotten rotten day. Headache and feel sick. Should go to bed but can't see me sleeping for a while.
    Nevertheless she persisted.
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hugs. Horrible when family is ill and things don't go to plan
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • beanielou
    beanielou Posts: 96,086 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Bloody gardener is all.
    I 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. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today was better.

    got a fair bit done. also spent money but I have 5 outfits for work at the moment and that simply isn't good enough.

    Hope everyone has a good week XXXX
    Nevertheless she persisted.
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