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Buffy takes it 6 months at a time

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  • Sun_Addict
    Sun_Addict Posts: 24,274 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What could possibly go wrong 🤣
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
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    Sun_Addict said:
    What could possibly go wrong 🤣
    *counts fingers* 
    ermmmmmmmmmmmmmmmmmm 
    Nevertheless she persisted.
  • beanielou
    beanielou Posts: 96,234 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Must admit for a second I thought a real tree!!
    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.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Must admit for a second I thought a real tree!!
    I confess, I actually live in Forest! 

    Nevertheless she persisted.
  • beanielou
    beanielou Posts: 96,234 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Buffythedebtslayer said:
    beanielou said:
    Must admit for a second I thought a real tree!!
    I confess, I actually live in Forest! 

    🤣   😂    🤣
    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.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Tonight after a row with Mum I looked again at houses - SO out of my current league and then I found this flat...... right near by and a decent price, I could probably get a mortgage for that etc. 
    So I got so excited and sent it to my friend.........he always reads everything really closely and he said but it has a tenant till 2022.......and I was SO gutted. Briefly for a about ten minutes I was like this could work! But no.  
    So in light of this frustrating and irritating situation I am going to have bailey's and ice cream. 

    Nevertheless she persisted.
  • in_need_of_direction
    in_need_of_direction Posts: 7,787 Forumite
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    2022 is only a year away
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
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    in_need_of_direction said:
    2022 is only a year away
    Yes but with  sitting tenant I would have get a buy to let mortgage which I don't seem to be eligible for and I think is more expensive?  Good to see you INOD XX 
    Nevertheless she persisted.
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
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    Buffythedebtslayer said:
    in_need_of_direction said:
    2022 is only a year away
    Yes but with  sitting tenant I would have get a buy to let mortgage which I don't seem to be eligible for and I think is more expensive?  Good to see you INOD XX 
    I think the issue with buy to let is more about needing a bigger deposit, and ensuring that you have enough income to cover any periods without tenants.  Worth a conversation with one of the brokers if it might be a possibility - I'd start with the ones who sponsor the MSE mortgage guides, found them very helpful. 
    RB xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    RosaBernicia said:
    Buffythedebtslayer said:
    in_need_of_direction said:
    2022 is only a year away
    Yes but with  sitting tenant I would have get a buy to let mortgage which I don't seem to be eligible for and I think is more expensive?  Good to see you INOD XX 
    I think the issue with buy to let is more about needing a bigger deposit, and ensuring that you have enough income to cover any periods without tenants.  Worth a conversation with one of the brokers if it might be a possibility - I'd start with the ones who sponsor the MSE mortgage guides, found them very helpful. 
    RB xx
    I think I would have been pushing my luck for a normal mortgage, I can borrow 171,650 according to the hally fax with my little 10,000. The flat was 185000......I have a financial/mortgage guy....hmmmm.  
    Nevertheless she persisted.
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