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Comments
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Café are great for chilling and doing something fun at the same time.
Glad to hear you're getting the searches underway. You're definitely handling things better now and having a current stable home environment has helped, there's not that unwelcome stress / pressure to find a home.Mortgage started 2020, aiming to clear 31/12/2029.3 -
jwil said:Fingers crossed everything is fine this time.
Hope you managed your cafe reading visit
Thank you bothSeasidegal58 said:I hope you managed your quiet read DIA. Congratulations on all the devoured amphibians!!!
I ended up doing life admin in the cafe yesterday but still no reading!! 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) 25/0720253 -
I am so lucky to be staying hereMovingForwards said:Café are great for chilling and doing something fun at the same time.
Glad to hear you're getting the searches underway. You're definitely handling things better now and having a current stable home environment has helped, there's not that unwelcome stress / pressure to find a home. Searches are paid for but won't commence until my solicitor has the draft contract from the other side, but at least it is paid off. 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 -
There is nothing left to do with the house that can be done. It is only 11 days since my offer was accepted but it feels like much longer.
My weight is on the way up so I am restarting 16:8 It is hard to do when living to someone else's schedule. I do best not eating after five, especially when the days shorten. I sleep better without food in my system too.
I've been offered the cottage for five days, so will go next week. If house sale goes through it will hopefully be the last time I need it.
To do:- cancel membership
- buy some basic foodstuff for the house
- take food to food bank
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) 25/0720255 -
Lovely offer of the cottageAchieve 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 13/9/252 -
Great that you have found a house and hope all goes swimmingly.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£391.55
Save £12k in 2025 #1 £12000/£120003 -
Great that you've got the cottage again. Have a lovely time."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
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Enjoy your time away.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.3 -
Thank yousavingholmes said:Lovely offer of the cottagejwil said:Great that you've got the cottage again. Have a lovely time.
Thank youbeanielou said:Enjoy your time away. I am going tomorrow so off diaries for a few days. It's nice to go away not worrying that I will have to rush back to view a potential house.
Thank you. That is really kind of you. I hope so tooenthusiasticsaver said:Great that you have found a house and hope all goes swimmingly. 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) 25/0720253 -
Hope you have a lovely relaxing time in the cottage 🙂I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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