Future Proofing my life: Deposit saving then MFW journey in under 13 years

MrsWenger

LadyWithAPlan said:

MrsWenger said:

Not sure if you have seen this thread LWAP - https://forums.moneysavingexpert.com/discussion/6505285/how-to-decide-area-to-buy-a-flat-in-london/p1

This is AMAZING! Just what I needed (and my price range as well!) Tx!

I saw 4 flats Friday - and seeing 2 or 3 this afternoon ...

Very happy you have found it useful LWAP😀 I have read your whole thread and follow progress with interest. Good luck with the viewings, good to hear there are options that are appealing to you, fingers crossed there is one you love! xx

Merlin's_Beard

Hope the viewings go well!

savingholmes

I'd clarify with the broker as they are normally valid for much longer. I had to submit a MIP for my offer to be accepted so it is important.

TallGirl

It does sound really short for the MIP maybe that is because of the self employed bit but definitely ask. Hope the viewings went well you will know when you see I am sure. 

LadyWithAPlan

MrsWenger said:

LadyWithAPlan said:

MrsWenger said:

Not sure if you have seen this thread LWAP - https://forums.moneysavingexpert.com/discussion/6505285/how-to-decide-area-to-buy-a-flat-in-london/p1

This is AMAZING! Just what I needed (and my price range as well!) Tx!

I saw 4 flats Friday - and seeing 2 or 3 this afternoon ...

Very happy you have found it useful LWAP😀 I have read your whole thread and follow progress with interest. Good luck with the viewings, good to hear there are options that are appealing to you, fingers crossed there is one you love! xx

Impressed you read my entire thread ! And yes I am now seeing an area Friday I had not considered before so .. 

I can also report  back - given there was a LOT of chat /waffle on this from me here - the led face mask is still brilliant - both my date Friday night  and also friends Sunday lunch were raving about how amazing my skin is - started using it early Sept - my one sun spot on my face is now 20-25% of the original size and much much lighter - before you could see it,  now you hardly can 

@savingholmes @tallgirl chatting with broker later today as seems insanely short - will get in writing its renewable at zero cost - he has said so..

@skint_spice it was agreed I could renew for free - then a further £295 when actual mortgage is in place


@Merlin's_Beard  tx it is a lot of work

I saw a gorgeous flat but £475k with shared garden - period featires, triple height ceilings, but  I have reviewed my budget - I don’t want a £2.2k pm mortgage  (£475k home) - too much pressure on me - at £380k its £530 pm cheaper which could go to pay down or sipp.. However I want to buy something great for long term 

I have seen a lovely place with a 54 by 24 ft garden - bit further out -but walkable from tube and late night bus stop 1 min away-  flat itself not that exciting architecturally - quite small rooms but 2 bed but I could so see myself there £395k  but willing to take offer - livable now but  needs work - eg kitchen update .. it has a quirky dining space and parking ..  I could build an art studio in the garden ! 
Like it a lot - so chanting re putting an offer in - need to rebalance and get clarity  - am i buying too small - i do love where I live now and of course its cheap as getting 12% on much of my deposit  - ARGH!!! 
- I may be the only mfw diarist who does that (chant on home buying)  but maybe I am wrong  - we all have our own ways to make decisions...

I do feel very very (too) busy though - saw my last week lunch date twice last week - fun dance Fri til 3 - and then he took me to a fantastic  live show last night  - - and he already commandered this Fri for a date  less than 12 hrs after my last Friday date  with him  and organising something fun - only hand holding so far - so feels he is a man with a plan ... for LaPlan      
I am taking this sloooowly after text ex and 118 ....  still when it flows it reminds you all the angst when people dont call etc is a waste of energy. If people are ready to be in your life they do always make the effort - mind you txt ex was fully present in my life for months and still ran off via text.. so I am definitely more cautious than maybe I should..

118 man luckily is in silence - that uber bill still weighing on my Feb ynab budget

I was also out a lot with friends at the weekend - saw a gallery had lunch Saturday- and big extended london friends boozy lunch Sunday - and flat hunting Fri and Monday .. so the  gym, the washing up and actual work taking a back seat . 

So today I have work. Another flat to see locally and seeing friends this eve (no drinking) plus serious tidying up .. clothes are everywhere etc..

flat hunting feels like such a time intensive endeavour  - seeing another area friday

Grocery £104.08 + £21.59 bulk + £6.63 crisps 
Grocery shopping some bulk £7.76 groceries   
Sain had some YS rib eye steaks and some other meats so picked up food for freezer  so counted as bulk- still got a Hfresh meal to cook 

 £2.57 Sain toilet rolls for 4  - my local lid* closed down - so annoying!!! I loved their FR chickens
 I have compared the Sain to lidl toilet rolls and lid much nicer - v similar price (saind are the double width rolls) so wont buy those again

Plus £5.27 in my local N*sa sunday after a long boozy lunch  (crisps £2.09, water and some baba ganoush)- yes champagne was drank but a friend picked up tab for 10 of us! which I didnt expect ..

Merlin's_Beard

This all sounds quite promising, from the Man with a Plan to the flats...!

beanielou

A good idea to chant for what’s best for you. 

NYRK. 

Suffolk_lass

I was just casually wondering if there are many allotments in the areas you are looking in. I appreciate you would like to grow the odd thing, but not sure if a half or quarter plot (or a community garden) might work for you. In Germany kleingarten in urban areas are much loved - often with a little shed, a patch of grass and a deck chair, rather than primarily to grow edible produce.

And whether your landlord might want to sell?

Baileys_Babe

High ceilings look fabulous but the rooms cost a lot more to heat 😉

beanielou

Saw this & thought of you!