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Comments

  • beanielou
    beanielou Posts: 96,589 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    "The journey".
    The world has gone mad.
    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.
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I kind of guessed that you had big news when I logged in and saw 30+ messages

    I'm just so delighted for you that its good news.  As you say "what's for you won't go by you"

    Fingers crossed it moves quickly and the frogs fall into line for you to dispatch with ruthless efficiency
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on tackling the frog. It is so annoying when it takes so long to get at your own money.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • doingitanyway
    doingitanyway Posts: 10,325 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 17 August 2023 at 7:26AM
    beanielou said:
    "The journey".
    The world has gone mad.
    I know!
    mark55man said:
    I kind of guessed that you had big news when I logged in and saw 30+ messages

    I'm just so delighted for you that its good news.  As you say "what's for you won't go by you"

    Fingers crossed it moves quickly and the frogs fall into line for you to dispatch with ruthless efficiency
    Thanks  @mark55man
    Well done on tackling the frog. It is so annoying when it takes so long to get at your own money.
    Thank you and yes, very annoying!
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 22,410 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How annoying about the huge delay to access your own money!  Well done on tackling that frog.

    Hope the freehold issue is not a big deal. 
    "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
  • Sorry to hear about the flying freehold hope it is something not too serious and can be overcome. Surveyor sounds like they are on the ball. 

    It’s an exhausting, stressful time, don’t cut yourself off financially from everything you enjoy or you will struggle. 
    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/p1
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