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Moving forward and upwards

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  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Weekend update.

    Best way to describe the weather is blowing gales, I'm watching the trees dancing to the wind.

    As it's now March I've put my £200 into my H2B ISA. Only got one more payment to go in before I close it.

    Moved money to my other accounts today.

    Slipped £10 into my car fund, will try and slip another £5 in this week as that should then cover my insurance. 

    As it stands I need just over £860 for my AFs.

    I should have about £16 interest this month, plus I will move about £250 into AFs throughout this month; just waiting for my March DDs to come out. Means I only need to put away under £600 from my next pay packet to fund my deposit, legals and mortgage fees!

    *** I'm so close to reaching my goal and will be at it by the end of this month. ***

    3 years and 5 months I will have been saving for my own home and getting my life back on track.

    It will be so strange saving, just for savings sake.

    I'm off to celebrate, washing up followed by cooking a chilli.
     

    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,430 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 2 March 2020 at 12:02AM
    ***I'm so close to reaching my goal and will be at it by the end of this month***
    Great news am so pleased for you 😊
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you SYA X

    As of this morning I need just over £850.

    All my DDs have come out and I slipped a few quid over. Still on track for slipping more over throughout the month.

    My interest will be paid by the time I check tomorrow morning.

    Got the dentist at the end of the month, but managed to break a tooth yesterday. Thankfully, I still have a dribble of the special toothpaste he prescribed when I broke two a couple of years ago! I'm now buying a smaller stud to prevent any further breakages!!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Pulled my dental appointment forward, it's now next week, the way it's going I will be calling them again! 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,937 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you manage to get your tooth sorted quickly. Did grin when you said you now need a smaller stud. So are you telling us it was a tongue piercing's fault?
    Great that things are coming together for the move - it will be here before you know it.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    edited 2 March 2020 at 8:54PM
    Hope you manage to get your tooth sorted quickly. Did grin when you said you now need a smaller stud. So are you telling us it was a tongue piercing's fault?
    Great that things are coming together for the move - it will be here before you know it.

    I may have giggled like a girl when I said it.

    I put a smaller plastic one in yesterday, managed to swallow the top part of it tonight, so now I've the big one back in. However, I flipped it round as I noticed the balls are not the same size, small ball on top now (where is the laughing so much I'm crying face)

    I'm actually blaming it on the London Mix (mild Bombay mix), it was a salad last time when I broke two of my teeth.

    Everything is coming together. I think I will be moving before I know it. 

    Went shopping after work, got two weeks worth of goodies, plus a load of soft food. Cost under £40 and filled my car up too.

    Managed to get all my breaks at work today, only because I wrote the day off as another bad one. Maybe tomorrow will be better.


    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Quick update:

    Mortgage broker paid.

    Interest received, just over £15.

    Moved a bit more to my AFs, now need just over £790 for them.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Midweek update:

    Sent a stroppy email to my solicitor, again explaining I don't know Scottish conveyancing and also explained it feels like he is pushing me to confirm I will conclude missives (exchange) when he appears to have missed the stuff in the middle eg searches, enquiries etc and I wanted detailed guidance of the process up here.

    Response was he would be summarising all his findings before taking instructions to conclude missives and he wants my employer to bring my probation forward; my boss been trying to do that for nearly 3 months  :#  :#

    The solicitor is making me feel like I will lose the flat. 

    My stress levels are through the roof with the purchase and my workload (due to my boss being away as I'm shouldering all the s**t at work and have nowhere to vent or get help as it's just the two of us in the team), my tooth hurts, along with everything else and I'm getting very tired.

    I've seven assignments left for my uni module, there are too many and too frequent when working FT; I've another one due next week.

    I'm looking at the calendar and clinging on that in 7 weeks this will all be over.







    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,430 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Sorry to hear you are having such a stressful time MF. Make sure you look after yourself and take those breaks at work ! How long before you see the dentist ? 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Sorry to hear you are having such a stressful time MF. Make sure you look after yourself and take those breaks at work ! How long before you see the dentist ? 

    I don't always get my breaks, but even when I do they are no escape.

    Dentist is a week tomorrow.

     Just on a downer at the mo x
    Mortgage started 2020, aiming to clear 31/12/2029.
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