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Midlife Musings and Measurable Goals
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So pleased you had a lovely day. Loving the sound of the no chain FTB
Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
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Thanks Sammoneyonmymindsam said:So pleased you had a lovely day. Loving the sound of the no chain FTB
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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
Just had a phone call from the EA to agree which buyer to go with. Chose the no chain FTB.
He wants to be in by January so is choosing to go in-house with the EA surveyor to speed things up. He is being given 10 days to get the survey done. Other potential buyers to be contacted and told to check back in 10 days. I have been updated twice this week and will be updated at the end of the day too. All good so far...
I'm cancelling my trip to the other area this week. Nothing much appeals in my price range so not worth wasting the fares. Going back to thinking I probably won't find a house to buy and may need to rent for a while...
Today I am off to JL to make a purchase with a friend before lockdown. I could do it online but I want advice and their advisers are good (although not as good as they used to be)
OK, off to make a cup of tea, make some breakfast and check in with the US election.
Have a good day everyone.
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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720259 -
Wow. It’s moving so fast.Hope all goes well.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.7 -
Hope you have a good time with your friendAchieve 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 29/7/256 -
Congratulations on all the offers! Going with the FTB isn't a bad idea - at least you won't get locked into a chain with him!Your day out with your friend sounded lovely. Nice to get into a gallery before we lock down.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”5 -
Great news on the offers DIA .Hope the day out was good also .6
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beanielou said:Wow. It’s moving so fast.Hope all goes well.Seasidegal58 said:Congratulations on all the offers! Going with the FTB isn't a bad idea - at least you won't get locked into a chain with him!Your day out with your friend sounded lovely. Nice to get into a gallery before we lock down.
Thank you everyoneanother_casualty said:Great news on the offers DIA .Hope the day out was good also .
@beanielou Yes it seems to be going fast although the EA said he would call yesterday and did not, so will be chasing today. Chase, chase, chase, seems to be what is required to get this through (and even then there is no guarantee) Still, it has to be done...
@Seasidegal58 and @another_casualty the gallery exhibition was such a nice treat.
I did not go out to JL with my friend yesterday. I thought it might be a bit much on the last day before a lockdown and looking at the news in the evening I was right! My purchase can wait.
Today I am cleaning/decluttering under the stairs. Everything gets thrown under there so it might take some time.
It is cold but not wet so I will take a walk or cycle at some stage.
Wishing you all a good dayIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
Yes keep badgering the EA he is working for you so make sure they do. Good luck under the stairs , you may find things you didn't know you had .Life is an adventure, never stop exploring.7
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Great stuff DIA
The things to remember are that you have probably more time to do the necessary dribs and drabs to your home , plus email is probably the way to go with the selling of your house . Things will probably drag on a bit due to the new lockdown , but hang in there .
( I said probably a lot there 😸)6
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