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I’m sorry to hear you didn’t get your first choice, wishing you luck with the bungalow. I loved the first house I offered on. The vendor reminded me of my dad, his wife had passed away and he was moving in with his daughter. Then he had a stroke, the property was withdrawn and my plans totally changed to a different area to be nearer my dad. Fate, destiny, meant to be? I don’t know but I have grown to love my new home & I’m sure you will make the bungalow your own.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/p13 -
Sorry to hear about the house. Hopefully you'll get a good response from the bungalow."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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We live in a dormer bungalow but after 20 years we are looking for a full bungalow due to dh falling down the stairs and my knee causing problems coming down stairs.
Not sure how old you are but have a think about future proofing your next property especially if you don't plan on moving again.6 -
Sorry about the house. Hope the bungalow grows on 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.2 -
Sorry the house never worked out.
With the bungalow would it be possible, financially viable, to have the loft converted, with a dorma?
As everyone else has said you're future-proofing by not having stairs, there's plenty of walking / beautiful places to visit which would keep you mobile / active. Therefore, keep that open mind when having another viewing.
You have grown a lot since we first "met", a strong mind has formed and great ideas / plans made.Mortgage started 2020, aiming to clear 31/12/2029.2 -
I hope that the bungalow price is reasonable - within your budget - if that's your favoured one.
Glad meanwhile you are investing in your health. That's important too.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 10/10/251 -
Belated welcome back DIA.
Don't have anything to add on the house discussion as well, I think very differently to most people on well, everything.
But I'm sorry that you're having a hard time with it all. The pain sounds horrible.2 -
Thinking of you and sending gentle (((hugs))) XX
I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy2 -
I''m so sorry that you didn't get your first choice of home. On reflection, did the bungalow jump to No.1 or do you still have reservations? It does sound like you could make it a lovely home if that's the one you can see yourself living in for the foreseeable future.
I hope you've also been able to move forward on managing your pain. It's shocking how much that can bring someone down when there's such a regular pain issue going on. Wishing you well doingitanyway.Debt on 01 July 2022 = £42,083.00
Debt on 01 January 2023 = £37,075.87 (-£5,007.13)
Debt on 01 January 2024 = £24,922.36 (-£12,153.51)
Debt:
01 January 2024 = £24,922.36, 01 February = £24,170.95, 01 March = £23,298.44, 01 April = £22,424.83
Current debt free date = 01 July 2026.2 -
Thank youmark55man said:That's not great about the house, but positive that the second is growing on you. And well done for having started already. Other people will muck you about and you can't stop that, but you can carry on regardless ignoring their BS
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
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