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SLLM (Single Lady Large Mortgage)
Comments
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@Sistergold Hurrah for the OP and rounding it off!1
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Good morning ladies
The initial plans have now come. The downstairs was not really what I asked for. He had also promised to give me two drafts but he only did one. Called him to highlight that the ground floor was much different from what I asked for etc. So I am to make comments and draw what I wanted? Am a bit disappointed but let’s see how he does.
Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓1 -
I’d absolutely tell them, you’re paying a lot of money for this - I’d be drawing all over it.Sealed pot challenge 822
Jan - £176.66 :j1 -
🥳HelloB said:@Sistergold Hurrah for the OP and rounding it off!Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓1 -
I have drawn all over his drawings and brought him back to what I asked for.dawnybabes said:I’d absolutely tell them, you’re paying a lot of money for this - I’d be drawing all over it.Let’s see what he does!Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓1 -
Just an update
Managed to send £1250 to building fund today, taking the total to £10251.14 so £89748.86 to go! 🥳🎉🎉🥳Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓1 -
Update ladies
Good news, the architect was very obliging and he has quickly taken into consideration my everything on my wish list. The only omission is a door to the outside from the utility room which can easily be rectified. Now I actually love both plans and am not sure which to go with? It’s a good dilemma though!Below are the two proposals
Initial mortgage bal £487.5k, current £258k, target £243,750(halfway!)
Mortgage start date first week of July 2019,
Mortgage term 23yrs(end of June 2042🙇🏽♀️),Target is to pay it off in 10years(by 2030🥳).MFW#10 (2022/23 mfw#34)(2021 mfw#47)(2020 mfw#136)
£12K in 2021 #54 (in 2020 #148)
MFiT-T6#27
To save £100K in 48months start 01/07/2020 Achieved 30/05/2023 👯♀️
Am a single mom of 4.Do not wait to buy a property, Buy a property and wait. 🤓1 -
@Sistergold How exciting! I love both options. Option B seems to provide a bigger utility area, so personally that'd be my pick. But well done overpayments and allocating more into the building works fund. Doing a great job in keeping up the momentum!
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Just checking in on your progress - you are really getting on with it! I think I would go for the slightly bigger utility too, how brilliant that you're having a lift. Well done for making so much progress so quickly, I'm impressed particularly as I've just come to a standstill of indecision
@Sandyra I love the balcony, those chairs look really comfy.Mortgage overpayments 2018: £4602, 2019: £7870
Mortgage overpayments 2020: £4620
Mortgage 2017 £145K, June 2020 £112.6k
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Hi All
Sorry been away for too long, why do bad things happen in 3?
@Sistergold wow
, things are coming along, as someone who did CAD drawings for my job prior to teaching and then teaching it to students, I'm glad you managed to get the alterations/ modifications; its a tailored/ bespoke service. Like @HelloB I'd be inclined to go with option B, as overall the space it gives and the cost/labour I would have thought would be negligible in regards to that utility area.
Well done on OPs, unfortunately I have taken Rishi at his word and spent Mon-Wed eating out to help out, so no extra OPs, thank god it finishes next week
. I've also reduced my EF and OP target as somethings have taken an unexpected turn.
Thanks @sofarbehind - old cheap B&M ones with a bit of sandpaper and metal paint, spruced up in hours, cushions from ikea and covers from Amazon.
MFW 2025 #32 £6,815.78/£3,000; MFW 2024 #32 £4,217.84/£3,000; MFW 2023 #32 £5,238.84/£4,000; MFW 2022 #32 £8,246.43/£8,000; MFW 2021 #32 £8,982.73/£8,000; MFW 2020 #32 £12,000/£6,000
Save £12k in 2025 #48 £14,400/£14,000; Save £12k in 2024 #26 £13,055.37/£6,000; Save £12k in 2023 #31 £11,500/£6,000; Save £12k in 2022 #32 £7,180.24/£7,000; Save £12k in 2021 #32 £9,500/£8,000; Save £12k in 2020 #147 £9,370/£8,000
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