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Prosperous soul in the making
Comments
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Hi MF, WelshKitty, Grogged and Elisheba - and thanks for posting.
Glad the soup ideas and colouring were a hit. Certainly a lot cheaper than other options out there.
Really hoping the offer materialises tomorrow now... Really hard waiting.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/268 -
Hope you get the offer. The soup sounds lovely, I should get back to making some."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
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Fingers crossed you get your offer today5
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More fingers crossed for the offer to come through - it does really sound like a lot of faffing in the background though!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her4 -
My fingers are crossed for you too...If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
Another one hoping you get your mortgage offer soon. It will be good to get all this behind you.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
Save £12k in 2026 Challenge £12000/£2000
365 day 1p Challenge 2026 £667.95/£165
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php5 -
Good luck with the mortgage! Sounds both stressful and exciting simultaneously.
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Fingers and toes are crossed your offer arrives very soon.Mortgage started 2020, aiming to clear 31/12/2029.4
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Thanks MF, JWil, WelshKitty, ES, Capuchin and EH
I chased the broker - he said I could chase again Friday. He thinks the lender may not look at the docs until 26/10 as they tend to only look at individual cases once a week. He's promised to chase though.
Solicitor has sent papers through to sign - but I've asked her to change the time within which I have to pay Ex in case the mortgage offer and conveyancing is delayed. Hopefully we can both sign tomorrow. Ex is paying £25 of the £50 fee and she reckons it could be approved within 3 weeks. Here's hoping. She didn't think there was that much conveyancing to do for a remortgage and transfer of equity so she felt it should be quick. Using the lender's solicitor though so who knows.
I've done my balance class and it was a new routine tonight so harder again. I have to remind myself that some of the moves I found impossible when I first started and I've improved a lot - so will with these ones too - particularly as I am going again tomorrow so should learn the moves more quickly. I think one of the things I like about the class is because I struggle with movements and balance it requires my whole attention which is therefore helpful in other ways too.
I'm going to follow up on the will this week - not done the replacement one yet.
Moneywise I'm doing well so far. I have my MOT next week. Hoping that's straight forward and that there are no extra costs... but thanks to my sister I have an EF again now so should be okay either way.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/267 -
Using classes as a way of emptying your head of stress is very good.
It's all sounding positive and there's a strong woman vibe in your words.Mortgage started 2020, aiming to clear 31/12/2029.5
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