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Thinking of you. Was it bad news?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 29/7/250 -
Thanks SH, we had a really positive viewing on Thursday and it looks like we are back on track. Everyone is aiming for the 7th of Feb so we have everything crossed. The buyers were really lovely and it was so nice to chat through their worries face to face rather than via solicitors or estate agents. They seemed happy enough about everything which is the main thing. Thanks to all of my friends on here for your thoughts and best wishes.xxxNew Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 20250 -
Yeay - very glad to hear that, woodfired! :j - fingers crossed everything now progresses smoothly xI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £201
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Action stations!!! Keeping everything crossed
LTotal 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 #1240 -
Really hope it all goes through now then. .Are you doing exchange and completion on different dates? That's another way to tie them in.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 29/7/250 -
Fingers crossed for you woodfired!Mortgage start: £121,500 Dec 190
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Thanks to all of you for your support, it's been a long slog but we exchanged contracts yesterday! :j:j
Friday was awful, we had some bad news about DH's main customer and a potential big reduction in orders for him which was a huge worry and the solicitors messed about for so long that day that exchange didn't happen.
We were really fed up over the weekend but picked ourselves up and did a lot of packing then all went smoothly yesterday. Hopefully the news regarding DH's customer is less bad than first assumed but it has made us a bit cautious regarding spending on new bits for the house, just in case.
Meanwhile, our house seems to be falling down in protest at us leaving :rotfl: and has required the electrician, plumber and I left the builders there this morning!
The bathroom sink plug mechanism broke on Thursday and we lost a ridge tile in the wind on Sunday night. The fireplace needed a tweak as it wasn't quite right and DH didn't want to leave it less than perfect for the new owners but a design fault meant half the fireplace had to come out in order to access the flue and now needs re-plastering in places :eek: - hence the builders there this morning.Hopefully all will be sorted by Friday (moving day) but it is adding to the stress somewhat!
Today I have rung the bank and transferred over the completion balance of £53k. I am expecting a partial refund as they have used an out of date mortgage balance in their calculations (and most likely don't account for aggressive overpaying), they are roughly £3k out so hopefully that will be returned to us soon.
Elsewhere, the boiler in our rental has bitten the dust (after numerous expensive attempts to repair it) so a new one will be installed tomorrow. It never rains but it pours. However, we have got the DREAM HOUSE :j the rest will sort itself out.New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 20251 -
Congratulations so glad you have finally exchanged.2025 Decluttering 10472⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️1 -
Great news. As they say, these things are sent to try us. Hope everything else goes smoothly.
LTotal 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 #1241 -
Fantastic news!
:T
I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £201
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