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Thanks @MovingForwards @savingholmes @jwil @Skint_yet_Again
The F&Cs were great and just what we needed
I think neither of the houses are right and I am just reacting after a disappointment. The one that needs a lot of work is horrendously overpriced. Why it needs a look is it has a whole floor with a separate front door and a tiny patio to go with it. Next door had it as a beautiful kitchen diner but this one has a small kitchen on the ground floor.
The other house is too big for me with four bedrooms I was reading something @Skint_yet_Again said on another diary ...a big house needs cleaning and taking care of. I can't afford a cleaner and don't want something that is beyond my control. So, I don't think I will view either just now. They are going nowhere for a few weeks due to pricing anyway so no rush. Time away will give me a new perspective.
Today I am going to read, walk, and do life admin.
Wishing everyone a good day 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) 25/0720256 -
Sounds a very sensible decision, enjoy your time away.Life is an adventure, never stop exploring.2
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Thank youSunshine_girl2 said:Sounds a very sensible decision, enjoy your time away. 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) 25/0720253 -
Edgy day so far. I used the edginess to eat frogs
I ate a HMRC frog that only came yesterday. I owe them. I didn't have the energy to challenge them. I feel like they always win anyway. I told them I could not pay hundreds of pounds in 30 days. So a DD was set up for a small monthly payment for the next hundred years. They are not charging interest thank god. One hour to do this
I held for a heath check with new GP for 30 minutes. I have the appointment. Frog eaten
I held for a financial organisation. I spoke to 3 different people. Lots of holding. I passed security twice but with the exact same information I failed the third time and was asked to call again tomorrow. Argggh. Froggy fail
I spent 2 hours trying to send a ticket to my file. Froggy failI is a blue box that has disappeared! Arrgh. I will post on the tech board to see if anyone has any answers...
I am finding life admin becomes more frustrating with every year.
I agreed to a social event tonight I don't want to go to.
I really want my own home today so I can better control my life!
Roll on my break.
MSE wise I have just enough in my account to get me there and back for my trip 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) 25/0720255 -
Well done on the frogs.
I so agree that lifes admin just becomes more vexing.
Nothing at all seems to be easy nowadays.
Bah.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 -
Bah indeed. How the hell will I manage when I am properly old??beanielou said:Well done on the frogs.
I so agree that lifes admin just becomes more vexing.
Nothing at all seems to be easy nowadays.
Bah.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) 25/0720254 -
I just feel it will never got done!doingitanyway said:
Bah indeed. How the hell will I manage when I am properly old??beanielou said:Well done on the frogs.
I so agree that lifes admin just becomes more vexing.
Nothing at all seems to be easy nowadays.
Bah.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 -
You'll have streamlined everything by the time you're older!
Well done for dealing with some frogs, feel your frustration with the latter two.
Not long until you're away, resting and resetting inner harmony.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Thanks @beanielou hopefully a kind robot will be in my corner by then
Thanks @MovingForwards I ate the tech frog and can send my tickets to the correct place on my phone. Hurrah!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) 25/0720254 -
Kindly robot in the corner - can you imagine have to reboot a life size one...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 10/10/252
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