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Midlife Musings and Measurable Goals
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All worth it in the end DIA . I hope the offers keep on coming and you get a proceedable buyer . Have a good day after the viewers have gone .Life is an adventure, never stop exploring.7
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Yes - that is very successful and a tribute to your (just enough) hard work.
Make sure the EA tells everyone you already have offers above asking. The EA commission is such that a few extra grand on the price only translates to £50 or so, so they will not be too bothered whereas for you its a few grand. Also the highest bid is good (and default position), but if you sense they are flaky (ie might withdraw or reduce) then go with someone a bit cheaper. Your advantage is that you can wait it out, and you already know that viewers wont be a problem.
However you will need to complete in time to avoid the stamp duty on yours (as that would inevitably come off your offer). Good luck with your machinations and take advice from the EA, but don;t be bounced or rushed - a little of your steely determination could earn you well. Then when buying as a cash buyer you should be able to attract a premium discount for being able to proceed quickly - don't give that away. But I suspect your purchase plans are a topic for a future postI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine6 -
Just a thought about renting in your new area
its a good idea but most rentals are for a 6month period rather than 3 months. That said you will hopefully be selling at the top of the curve and buying in 6months when everyone says prices will stabilise. It might also take you 6months to find somewhere and get all the legals etc completed so it might work out well for you.6 -
Glad that you are still reading my first diary DIA 😼
Looking back at my unstable self back then , in a way it's a good way of getting tips here and there in a strange kind of way . For example , me trying to secure getting that posh flat on the key to rent , when I thought it was a b&b type place 🤦♂️Then trying to secure the rented flat for six months , contacting letting agents directly etc
When I was looking for those things , it was getting desperate .You'll see the emotions I had when I was actually on the train Starting my new life 🚞
You have all that to come , but with all of those viewings in such a short time eventually you'll find the right place and that feeling of the pressure disappearing is not too far away.
All looking good .
I'll leave it there..5 -
Looking goodAchieve 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 29/7/255 -
Thanks @beanielou@mark55man
@savingholmes @another_casualty
Thanks @Sunshine_girl2 I now have a buyer
Thanks @Debsnewbudget that is very helpfulIf 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) 25/0720254 -
I’ve been away for a few days looking after my relative. I was tired before I went and now I am exhausted and sore joints have left me feeling old. Time to book another swimming session
Finances are terrible to be honest. I spend lots of money when I visit my relative even before then, I had let things slip. I need to get a grip! Tomorrow I will have a finance session with myself...
I have now finished all the viewings and today I agreed to go ahead with one buyer. This buyer has a mortgage in place and upped his offer by another £5,000, so £30,000 over the asking price as long as we take it off the market this week. The offer is accepted and I will update the EA with solicitor’s details tomorrow. (Cue dancing girls) I hope this goes through without issue, but if not there are several other potential buyers who offered at the asking price.
It is sure to be a long and twisty road (is there a song with those lyrics?)but today I am allowing myself to feel optimistic and positive, as like the sunshine, positivity is free
Hope you are all having a good day 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720258 -
Excellent news. Just keep in touch with the legal team on a regular basis to make sure things are progressing6
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That's brilliant news DIA, fingers crossed for you.RB xxDebt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc5 -
Great stuff DIA 😼
no dancing girls ( where is muffin tops ?) ..but some animals instead . 🐕🐄🐂4
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