We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
In the Meantime
Comments
-
Sorry to hear the pain is still bad. Hope the things you are trying help.
I think if the house is right for you, you need to accept the difficulties, but have a good idea of where your red lines are and the point at which you have to decide enough is enough (and hopefully it won't get to that stage).
Enjoy your peace."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 McGee3 -
Enjoy your peace & hope that your pain levels subside soon.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 -
Good luck with the house(s). It sounds like the vendor still thinks they are at the height of the property market - although they are lucky to get so many viewings during this colder market period.
Hope your pain settles soon.
Enjoy the peace and quiet of being home alone.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 -
Thank youjwil said:Sorry to hear the pain is still bad. Hope the things you are trying help.
I think if the house is right for you, you need to accept the difficulties, but have a good idea of where your red lines are and the point at which you have to decide enough is enough (and hopefully it won't get to that stage).
Enjoy your peace.
Good points re the red lines...
Thank youbeanielou said:Enjoy your peace & hope that your pain levels subside soon.
Thank yousavingholmes said:Good luck with the house(s). It sounds like the vendor still thinks they are at the height of the property market - although they are lucky to get so many viewings during this colder market period.
Hope your pain settles soon.
Enjoy the peace and quiet of being home alone. They are getting the viewings but not the offers to match. They are indeed under the illusion the market is still 'hot' and are being unrealistic in my view. We shall see.
Looking forward to the pain settling.
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 -
Rare good news update
I had some interest from an ISA come through, so if I add my intended savings, I can manage 1K to the house fund this month. Just made the transfer. Very happy with that 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) 25/0720258 -
That’s great.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 have to hold in your thoughts that NO MATTER how awful the vendors and EA are,
1) you can always walk away and 2) they won't be in the picture after the sale is completed.
But, given how intransigent the vendors are, it seems doubtful that they'd accept a price reduction if the survey comes back with anything major (I can't remember if you've had a survey done already).What would you get if all you got was what you were thankful for?3 -
That's a great addition to the house fund this month!"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
-
Hi there DIA,
Me again.
Things are moving a bit. So sorry you have such a battle trying to buy a property and being messed about by the EA too.
Hope your pain gets better soon. I know The pain Toolkit has been useful for people I know. If you like mindfulness relaxation I can recommend the website Nothing Much Happens by Kathryn Nicolai. It has a podcast called First This which is added to weekly with short mindfulness sessions. I use this to get back to sleep if I wake up in the night. She also reads bedtime stories where funnily enough nothing much happens!!!!
Well impressed with your fasting. It has so many benefits. I have a rule now about not eating after 8pm. Was initially scared about getting hungry in the night, but it never happens. Our bodies are geared up for not eating when we are asleep at night.
Even though it might not feel it you have made lots of small steps. Keep chipping away.
Off to wind down for bed (trying to go to bed at the same time). Will listen to Daniel Barnett Legal Hour on LBC. I know you are a fan too.
Take care xxx2 -
Great news on the interest. Always nice to add to rather than deplete the house savings.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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.9K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards