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Skint_yet_Again said: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 Then he had a stroke, the property was withdrawn and my plans totally changed to a different area to be nearer my dad.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.jwil said:Sorry to hear about the house. Hopefully you'll get a good response from the bungalow.Debsnewbudget said: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.beanielou said:Sorry about the house. Hope the bungalow grows on you.Chrystal said:Thinking of you and sending gentle (((hugs))) XXMovingForwards said: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.savingholmes said: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.WelshmansDaughter said: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.DaisyCheerings said: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.
I have found the pain draining and tiring. Hoping it is on its way out!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 -
So my last post was a week ago. Since then I've had a long weekend away in the countryside. That was good but pain restricted my activities
I've since had a visit to the osteopath and also the acupuncturist. Both were very helpful. I had another session of acupuncture today and I floated out of the clinic. My pain meds were every 4 hours and yesterday I had none and today just one lot early morning, so I am getting there. When pain levels were exceptional I called the GP again and now have an MRI, blood tests and a physio appointment all within the next few weeks, so progress is being made.
MSE wise, over the counter heat pads, meds, prescriptions, complementary therapies etc are impacting my funds but I feel fortunate to be debt free and in a position to help myself. Before being debt free the complimentary therapies, so helpful for pain relief, and for their immediacy before the NHS kick in to action, would not be possible.
I am still ok until new funds appear in my account and I will not have to touch savings this month.
House-wise I have a second viewing booked for the bungalow on Saturday. No other houses have appeared over the past few weeks.
Hoping everyone is okIf 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) 25/0720257 -
Good to hear you now have appointments to investigate the pain after having to fund your own alternative therapies. Although it’s great news the pain has eased thanks to you being able to afford to pay for them, you shouldn’t have to 🙁
Fingers crossed for the second viewing 🤞
I get knocked down but I get up again (Chumbawamba, Tubthumping)4 -
It's great being able to have these private therapies and would be worth calculating if acupuncture and / or others are viable as general maintenance when you're better or have a diagnosis.
Fingers crossed for the visit.
The trip seems to have lifted your spirits.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Glad you've got some appointments to investigate the pain, and hope it continues to ease.
Hope the second viewing goes well."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 -
Really good that you were able to invest in your health - with the alternative therapies and getting the NHS route started.
Good luck for the second viewing tomorrow.Achieve 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 13/9/253 -
Hope second viewing goes well.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.4 -
Good luck with the viewing and spend a bit of time savouring the location, if you're up to it.Mortgage started 2020, aiming to clear 31/12/2029.4
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Fingers crossed for this viewing, I hope that it meets your value system.4
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Thank you @WelshmansDaughter I do agree we make decisions based on our value systems
Thank you @MovingForwards I took your advice and explored the location
Thank you @beanielou @Sun_Addict @jwil and @savingholmes for the second viewing good vibes.
My pain levels go back and forth, but ultimately better than they were last week so I am still hopeful. It has been expensive and that is a shame but I don't regret the spending. Once I settle I see myself having a monthly treatment like a massage for example. Something for me to think about...
Today I had the second viewing. I went to the area very early. It took me 30 minutes to walk from the station but I took the long way. Going back it took me 20 minutes. Not too bad, especially as I dawdled due to pain levels. The new house is 5 minutes from the park I love. It is 10 minutes walk to the seafront and to a lovely South American cafe.
I had some luck today as I saw a man going into next door. I thought he lived there so I asked if I could ask some questions as I was going to do a viewing. In fact he was the workman who had done work on the house I was viewing. He told me the house had sound windows and no damp so that is good news. He was going to coffee with neighbour once removed. She was lovely. I asked about floors. Both she and her neighbour have original parquet floors!!!! Would be wonderful if the house I like has the same under carpets/vinyl/boarding. She was really nice. The immediate neighbours aren't there all the time but keep the house in the family. The area was so peaceful.
EA was awful and late and spoke complete BS, which I found difficult. I thought of @mark55man and held my tongue and tried my best to keep them onside. I will talk to the negotiator (who was not in) on Monday and submit an offer. The property has been on the market for 2 months but is overpriced. They are chain free as am I hopefully we can meet at a price point we are both happy with. Time will tell.
In other news my expensive acupuncture has resulted in me having to take £200 out of savings. So, my brilliant savings level this month is down. I intend to make up this shortfall by the end of the month...
I hope everyone had a good Saturday.
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) 25/0720257
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