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

Cornish_mum

Hi been off the boards for a bit and just wanted to say congratulations on the MIP and progress with flat search very exciting! CM

pebbles01

Congratulations on the MIP...

I'll echo the high ceilings comment...my bedroom is 3.34m high...the lightbulbs are a pain but the heating is eeek!!!

LadyWithAPlan

Merlin's_Beard said:

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

Indeed! Mr MWAP is so promising (so far) it’s scary - and he seems a good mix of frugal and fabulous - as in he got bus home late (I did the same - still traumatised from my Uber experience) but the tix were £150+ on Monday 

@beanielou tx ! This flat buying is hard 
saw another flat yesterday but in my expensive area - one lovely bed - large patio - super central but £440 & service charge including water and sinking fund £206pm ! Plus Ct £106 
I have got so used to having a second bedroom - I do need extra storage at least 
so the flat I could love living in but unless I change my life it be too small - kitchen is small corner of the lounge 
I’d love to stay where I am but I need a big one bed with a big kitchen or storage or garden to grow 

on MIP broker says easy to extend after the one month as nothing will have changed 

I looked at full paperwork they happy to offer me more as in £440k !!! Plus deposit so a £565/570k flat 
but I would have to go back to full time contract work to pay for that 

on the £395k flat with garden further out (but not that great a flat internally) I am wondering if I am looking too small - FTB but I could go up to 450k etc and get something better 

so maybe I haven’t found the one so not put offer on it 

LadyWithAPlan

Baileys_Babe said:

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

Wow didn’t think of that ! 

@Suffolk_lass I looked and even the waiting list for allotments are closed ! You can’t even start queuing ! 

My building is owned by council and they are pulling it down once next bit built … I am a guardian hence my cheap rent (though I pay £500pm more  so I have my own space, ‘my own study etc  ) 

NSD yesterday so 4/13 
I could walk to see flat as was 4 mins away 
had to set up a YNAB category for home buying with 
travel costs to look £70pm 
removals £1000 
mortgsge broker £295 (50%) 
surveyor ?? Not sure 
conveyance solicitor not sure on £
basic home decor /updates  on move £2k? 
EF fund to have safe eg 6 months minimum of all living costs 
plus my deposit obviously 
 Have I forgotten any categories ? 

May try GF pastry today - seeing a friends gig tonight but will drink water -
Drank loads the last 7 days /  Tuesday (3 glasses cava) Fri (5  inc 2 cocktails but danced over 4 hrs nonstop til 3am) Sun (champagne 5 or 6 glasses and lunch so sat down ) and Monday -3 glasses of Prosecco  - danced at 90 min show 
This is unusually a lot for me cos of 3 dates and big lunch but I only like to drink once a week 

debtfreewannabe321

I don't chant but I have a vision board always on the go so when I was looking for a house I put down everything I wanted and set about finding it. The house is perfect I found one just like on my vision board (which I used as visualisation in meditation)... I need to work on remembering to put down what I want in the surrounding area of the house next time, bit of a fail there  

Watty1

Just catching up.    Like the sound of MwaP.  Big fan of vision boards too @debtfreewannabe321  Mine is to the right of the computer I use for work.

triple_choc_chip

Another category: Post redirection - not as important as yesteryear but I still get mail approx weekly and occasionally it’s important.
I also make a spreadsheet of everyone and everything needing a change of address and record the date I advised, date confirmation received etc

Suffolk_lass

Don't forget stamp duty...

Sistergold

Still doing the victory dance for you on the MIP! 💪🏾💃🏾🌺. It is good not to overstretch yourself ofcause when you finally buy BUT make sure you don’t squeeze too hard too. In a way one person can always fit into a small space once you put your mind to it. Over £2k mortgage does feel a lot! Once you find what you love you will know! 

savingholmes

Like the sound of the new man. 

On the house / flat - greenery nearby would be a must for me. Also consider what level of ambient noise you can cope with. Cleanliness of the neighbourhood too. .Whether the area is smelly. 

I think space is the ultimate luxury.

On the house move costs - just be aware with a house move comes home maintenance responsibility. This week alone I'm due to spend £9.2K on essentials home repairs... My survey meant it wasn't all a surprise - but the home owner wasn't willing to budget his price and argued he'd priced accordingly. That initial spend for me root, pointing, gutters, soffits and fascias - is only part of what's needed.... There's also the 'fripperies' and seeming essentials of decorative items that match your taste, light fittings etc. You may find your furniture doesn't fit and you want to change it etc... Definitely make sure you leave yourself some £ in the kitty post move for both any immediate repairs - and some guilt free £ to make it feel more your own.