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

TallGirl

Good that you are getting out to see more flats it is always hard you will have to compromise unless money is no object. I really wanted an ensuite and a utility room but I got neither. I got lots of other things instead so you have to weigh it up. Yes you can wait and wait until you have enough money saved up but will the prices have moved and will you have had to move out of where you are now and how long term will the next place be? You will know when you see the right one that I am sure. I knew even without my two must haves if that makes sense.

Lovely that things are progressing with MWAP and nice to win on the PB. 

Suffolk_lass

redofromstart said:

I know I'm odd but I'd pay £700 extra to not share the garden.  It's bad enough when you are married to the kamikaze chain saw wielding non gardener...

I completely agree on the light though. Sit tight and see what else is about as you say.

You too? At least two roses have been pruned to nothing, after two years of nurturing them back to little bushes

debtfreewannabe321

Hope you find the right flat soon. On the chat about paying more to not share a garden...you may well have your own garden by paying more but you still can't guarantee quiet neighbours across the fence, especially in built up areas so I am not sure I would pay all that much more for my own space. I have had issues with neighbours over the fence and a few doors down with noise pollution. Loving your attitude though, you are so positive! With that mindset you will find the right place for you! 

debtfreewannabe321

Can you tell me which LED face mask you are using...I saw your comments on it and am intrigued, I haven't used one of these before but do love a new beauty product to try. Are they worth the money and have you seen improvements, or do you still have a wrinkle free face unlike me and it has just given you a nice glow - I wouldn't knock the nice glow even if it doesn't get rid of my wrinkles!

South_coast

TallGirl said:

Good that you are getting out to see more flats it is always hard you will have to compromise unless money is no object.

And even if money is no object, you can still only buy what someone else is selling!

LadyWithAPlan

The EA  is behaving like I am some teenage girl who doesnt have a lot of money in her hse deposit account and even less sense.. I remember fighting to be accepted as an intelligent human being as a 21+ girl in a high powered finance job, I cant  believe 30 years on I am still hitting the same issues. 

Counter offer I put in on Monday apparently had not been put forward... EA called me today and declared he hadnt as
 a) I was still unsure on JKNW (nope - I said please put offer £6k+ increase to seller)
b) he wasnt sure of my finance - as his finance person 'got no real answers from my broker ' - he then subtracted that .. via text
c) a MIP is worthless than the piece of paper 'I might have debts' er I earn a high daily rate, have zero debts and a LARGE deposit - I turned into La Plan Fierce and politely smacked his assumptions down verbally ... but really 
- I spoke to my broker after and  he said they obviously had no other offers - they keep coming back to me ... so now the offer has been put forward 
I am prepared to go up a max further *8k from here not that I have said that .. 



I have seen 3 other flats on same road  and every time I walk past 'my' flat it still feels like mine . my broker said if it is meant to be it will be  so - I am still looking - saw 2 flats yesterday within 100 yards  - its a good road 3 mins from tube

My rent is going up from next month £50 (had big increase last Oct)  plus they may increase if CT goes up so I feel more inspired to move

debtfreewannabe321 said:

Hope you find the right flat soon. On the chat about paying more to not share a garden...you may well have your own garden by paying more but you still can't guarantee quiet neighbours across the fence, especially in built up areas so I am not sure I would pay all that much more for my own space. I have had issues with neighbours over the fence and a few doors down with noise pollution. Loving your attitude though, you are so positive! With that mindset you will find the right place for you! 

Thanks Debt free - I will answer the led mask query in the next post so people can skip if they dont want glowing skin ..  

Suffolk_lass said:

redofromstart said:

I know I'm odd but I'd pay £700 extra to not share the garden.  It's bad enough when you are married to the kamikaze chain saw wielding non gardener...

I completely agree on the light though. Sit tight and see what else is about as you say.

You too? At least two roses have been pruned to nothing, after two years of nurturing them back to little bushes

!!! Cant you both hide the chain saw so the roses dont get massacred..

The shared garden is £700 more pm  if at asking but  the private garden one is too dark for me..

TallGirl said:

Good that you are getting out to see more flats it is always hard you will have to compromise unless money is no object. I really wanted an ensuite and a utility room but I got neither. I got lots of other things instead so you have to weigh it up. Yes you can wait and wait until you have enough money saved up but will the prices have moved and will you have had to move out of where you are now and how long term will the next place be? You will know when you see the right one that I am sure. I knew even without my two must haves if that makes sense.

Lovely that things are progressing with MWAP and nice to win on the PB. 

 I never thought I would consider shared with one other flat (and JKNW) but here I am...
I am definitely ready for the next phase of LaPlan's plan - OPing the mortgage - the London rents of my friends are all going sky high ...

I am exhausted from seeing flats....

redofromstart

The state agent being annoying is probably not transferring down the line to the seller, or if it is then they may be tied into a contract. Time to hold the silence and ignore the texts maybe?

easy for me to say, and I have everything crossed that it comes through for you. 

Oh and mr redo loves using the chainsaw - simple pleasures. I just need to make sure I'm clearer in my requests.

LadyWithAPlan

skint_spice said:

I am not keen on a shared garden myself but appreciate it may be more common in cities so less chance of your own private space.

I saw a flat Sat  on same street - £450k 2 bed (tiny rooms) where the garden had been split into 3 sections - all fenced off for the 3 lots of flats in the building .... so either shared or split is v common in deepest North London

beanielou said:

Light always for me & no shared garden. Mind you if it was shared someone else might do it for me 

The light and triple height ceilings are doing it for me - and no huge immediate works .. are swinging it despite drawbacks - shared garden and you can see straight into the front room so would need to sort that out ... oh and the triffid in the garden ..

redofromstart said:

I know I'm odd but I'd pay £700 extra to not share the garden.  It's bad enough when you are married to the kamikaze chain saw wielding non gardener...

I completely agree on the light though. Sit tight and see what else is about as you say.

I just want to buy and get this done .. though the mere thought of packing and further declutter ... argh ...

Watty1 said:

I would go with the light every time.  The house i have is dark and tbh I am very clear that if I buy again light will be a bit part of it.   last year i opened up a roof window and put the biggest i could in and that convinced me  - light every time.   

The shared garden would be a bit of an issue, what happens if one of you has a noisy bbq and/or children and you want a quiet evening with a book one summer?    What happens when you grow your tomatoes and their dog eats them?  (That actually happened to a friend of mine:) )

Light is so important I always sit in the room with the most light - I rarely use my study though it gets light late afternoon ...
At present upstairs doesnt use the garden the EA says (ha!) but thats why I am not budging over the £450k mark..
I want the dog - he/she will probably eat the tomatoes.. and I will be having the noisy occasional bbq..

South_coast said:

Also you may end up in the trap of always thinking the other party is going to maintain it and end up with nothing getting done to it (or is that just me that would passive-aggresive not confront it 🤔)!

I think it would be on me to maintain .. plus the owner (2 owners ago) paid for the JKNW eradication - not a joint bill for some reason... yet to ask why

LadyWithAPlan

redofromstart said:

The state agent being annoying is probably not transferring down the line to the seller, or if it is then they may be tied into a contract. Time to hold the silence and ignore the texts maybe?

easy for me to say, and I have everything crossed that it comes through for you. 

Tx !

redofromstart said:

Oh and mr redo loves using the chainsaw - simple pleasures. I just need to make sure I'm clearer in my requests.

Like leave me some roses?

skint_spice

I hope you hear something soon, perhaps the owner paid for the JKW treatment as they wanted to be in a position to sell whereas others dragged their feet.