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Be kind to yourself. House hunting is exhausting and even worse when it falls through. The frogs can be eaten another day when you have the strength.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p14 -
Hi DIA - can you get dental insurance it may work out cheaper?
Good luck with the frogs and with the house hunting.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/251 -
Thankssavingholmes said:Hi DIA - can you get dental insurance it may work out cheaper?
Good luck with the frogs and with the house hunting.
I am a NHS patient. Can I still get insurance or is that only if I go private? I'm minded to stay on the NHS register as they stopped taking new NHS patients a while back
ThanksSkint_yet_Again said:Be kind to yourself. House hunting is exhausting and even worse when it falls through. The frogs can be eaten another day when you have the strength. I remember your house buying journey so I know you understand.
Thanks @Sun_Addict for the permission to just be for a bit If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Since my last post I have been to the new area to look at 2 houses. Both nice but neither right for one reason or another. I won't bore you. What I will say is it cements my decision to keep looking where I was. I have an offer in with an EA but I am finding a particular EAs difficult to deal with. I'm hoping as the market turns it will be easier for me....
I went to the dentist today for a hygienist's appt and a check up. No new work needed except for an existing issue that a plan was made for.
A friend's niece committed suicide. It is tragic and puts all my so called problems firmly in their place.
I've been offered the country cottage for a week in a few week's time and will find a way to go. It will be tight financially but possible I think.
I've been too tired for frogs as I have been busy.
I hope everyone is okIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720257 -
Oh how absolutely awful about your friend’s niece. So sad and definitely puts things into perspective.On the house front, you’ll find the right place eventually, I know it must be frustrating for you right now.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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How very sad about your friends niece
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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.3 -
So sorry to hear about your friend's niece. How awful
Keep hold of your NHS dentist as long as you can. Ours has given up NHS and there are none around here at all, not even for the kids."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 McGee2 -
Thinking of you, your friend and her family. Life is horrendous sometimes. Gentle ((((hugs)))) XI Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy3 -
Thanks everyone People use the word tragic all the time but the loss of a young life by their own hand really is...
Well the EA issue continues. This particular EA wanted me to view again next week. I have viewed twice so it isn't necessary. I'm being stalled. I put in an offer after this particular EA did not respond to my email asking them to contact me with regards to an offer. I kept it all cordial but copied my offer to the awkward EA and the whole office, forcing them to act. They finally acknowledged my offer after much foot dragging. Now, the difficult estate agent says they could not get hold of the client and is off tomorrow. They will try again on Monday. I think they are hoping for other offers on Saturday, so they are stalling me. I feel ok. I submitted a good offer and if not accepted I will find something else.
I'm not a person to hate but I'm heading in that direction where this EA is concerned...
EAs can impact such an important area of life...
In good MSE news I have found a way not to steal from my future self forever. I had thought of taking a very large lump-sum (to go on the house purchase) instead of maximising my pension income. I lurk on the pensions board so know it would have been a poor choice due to the commutation.
I hope everyone is having a good dayIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
You have the patience of a saint and the wisdom of solomon whoever he was.
With the lump sum it does depend on the commutation - for example mine has a 19 year pay back and the 84 year old me (my age at the start of being disadvantaged by my decision) can just go stew because I'm definitely having it in a few years at 65.
But if it was earlier - eg 75 when I start being worse off then I would make a different decisionI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2
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