📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Prosperous soul embraces creativity & mortgage neutrality

Options
1314315317319320323

Comments

  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks PBS, Jwil, Blackcats, Beanie and MF

    Definitely proud of DD given how much she hates going to college!

    She did bring back the prescriptions for me which is positive.

    I think on the house - I'll know better once I've been. I bought a laser measure a while ago - so will get a chance to test it out as what the EA says a room is and what it actually is often differs.

    When I say it's dark - they appear to have a conservatory where the blinds were down over the roof or it is obscured somehow - and that's blocking light into the dining room. Ironically if the conservatory went I think that would resolve that issue. It just looks poorly designed. When I first moved into this house the light wasn't how I'd have liked. Putting in a couple of internal glazed doors massively improved the light. There were also dark carpets and it brightened dramatically when we pulled them up. It improved more when we added wood floors and mirrors and reflective surfaces. I am a little suspicious that they've not shown photos of every room or the inside of the garage or the downstairs loo. 

    I'm not ruling it out/in - but I am open in case something more suitable comes up - but as MF said - it seems relatively unlikely in my price range. I reckon the only reason this one is priced as it is is that a) they haven't said what proportion of an acre it is and b) it needs work. It's not that big a house though so I'm hoping that limits the spend... My priority would be any safety issues like the tiles... and checking the boiler and wiring... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Sorry to hear you've been feeling unwell, hope you feel better soon.

    Well done to DD, great achievement.

    In the house front, definitely worth a look in terms of identifying what you feel you can or can't do.

    With your own house, would it be worth getting a couple of valuations to help you have an idea of value in the current economic climate? Again, even if it's just to help inform future decisions?

    Take care x
  • beanielou
    beanielou Posts: 95,629 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done to your DD.

    Your handyman is just a treasure.

    Enjoy your weekend.
    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.
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,810 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    edited 12 November 2022 at 9:01AM
    Well done to your DD!

    All the best with the viewing. Just a thought, remember to factor in the cost of waste disposal when you are looking at a building with work needing doing.

    You have mentioned the country dream before...is it the being more rural/ village life you are looking for or more of a smallholding experience, being able to grow your own food or something else? Just thought that if you know which part of county living is appealing, it might help you to know exactly what you are looking for in property terms. Hope that makes sense!
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Hope you are feeling better!

    Well done to DD

    Have a great weekend!
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • Sorry the house didn't meet expectations. I think you should get 3 EA valuations to get a better overall understanding of yours, it will also assist with working out what your budget could be. 

    Your handyman is working magic everywhere.

    Wait until A1D1 or L1DL get fruit trees in as they're a lot cheaper and the fruit is nice; the apples I get from my neighbour is off an A1D1 tree and people are complimentary about theirs in the gardening section.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your handyman is amazing.

    Glad you've seen the house.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.