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In the Meantime

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Comments

  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Absolutely fantastic. So pleased for you.
    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 13/9/25
  • southern_chick
    southern_chick Posts: 548 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Amazing news. Got everything crossed for a quick completion for you xx
    slowly working towards being MF one small over payment at a time :T
  • beanielou
    beanielou Posts: 96,189 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Such great news for you.
    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.
  • OpalGirl
    OpalGirl Posts: 96 Forumite
    Fifth Anniversary 10 Posts Name Dropper
    Delurking to say Congratulations!  So happy that your offer has been accepted.
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    That's fantastic news! Fingers crossed you're in soon.

    Saving, cutting back and not spending is so much easier when you know it's not for long.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Moneywhizz
    Moneywhizz Posts: 517 Forumite
    Part of the Furniture 500 Posts Photogenic
    Also delurking to congratulate you on your good news. It has been quite the journey getting to this point. Hoping that it is a smooth journey from here on. 
  • MatyMoo
    MatyMoo Posts: 3,176 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Another delurking to say hurrah, so happy for you. My mum had a saying: What’s for you won’t go by you. 

    Will have fingers crossed for a smooth journey 😃
    :j Proud Member of Mike's Mob :j
  • doingitanyway
    doingitanyway Posts: 10,201 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 15 August 2023 at 2:33PM
    Thank you for the lovely positive vibes @jwil @24ta @MovingForwards @savingholmes @Sun_Addict @beanielou :)
    Thank you @satchmo1 you are so right easier to save when I know it is going towards a new home (hopefully)  :)
    Thank you @Chrystal I agree it cost me a fortune travelling to find a home. I can stop that (hopefully)  :)

    Thank you for delurking to add your support and positive vibes. Funny to think of you reading along. Nice to meet you here @southern_chick  @OpalGirl @Moneywhizz @MatyMoo :)

    I love 'whats for you won't go by you'  :)  Les hope it is for me then  :D

    I did some much needed admin on my CU account. 

    TODAY'S SAVINGS
    • So, today I finally completed a grant form. If successful it will save me £200 so it is with the effort
    • I saved £100. That leaves me with £50 to last 9 days  :o
    • I changed a monthly SO to save £10
    • I moved my PBs to higher interest as I hadn't won since February
    • I moved ISAs to higher interest account (I don't need a tax wrapper on my income)
    I am researching surveyors to see if I can find any savings there. I recall @Skint_yet_Again did this and found a decent surveyor charging much less. My plan is to finance the survey from money I have available. 

    I have worked all day on the above so off for a break now.
    I hope everyone is ok

    Edited as starting to log NSDs I want 8 this month today is a NSD so 1/8 


    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) 25/072025
  • makingmehappy
    makingmehappy Posts: 305 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    Congratulations on your new house, @doingitanyway. Keeping my fingers crossed that everything goes smoothly and you will soon be settling into your new home.
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,125 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Excellent news, look forward to hearing about your journey to your new home. 
    Life is an adventure, never stop exploring.

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