📨 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

1173174176178179218

Comments

  • Sun_Addict
    Sun_Addict Posts: 24,234 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sending positive vibes for the offer 🤞
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 96,094 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Positive thoughts for things to move forward smoothly and in a timely manner. 
    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.
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Does sound very positive and stands a change the original flooring has been covered over; it's the easiest option. 

    The distances are a good distance too, not too close for hustle and bustle, but close enough to walk.

    Everything is crossed for you.

    Your private treatments are money well spent. Have you researched what's available in your preferred location as you'll want to continue/ have frequent holistic support.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the viewing went well. I hope you manage to get a reasonable price.
    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 13/9/25
  • jwil
    jwil Posts: 22,229 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That sounds very positive for the viewing (apart from the annoying EA).  Fingers crossed price negotiations go 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 McGee
  • I'm learning about strategy at the moment but my befuddled brain lost its words last week.

    Sounds like some good practical advice was had
  • doingitanyway
    doingitanyway Posts: 10,163 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Sending positive vibes for the offer 🤞
    jwil said:
    That sounds very positive for the viewing (apart from the annoying EA).  Fingers crossed price negotiations go well.
    beanielou said:
    Positive thoughts for things to move forward smoothly and in a timely manner. 
    Thank you all for the good wishes  :)

    Glad the viewing went well. I hope you manage to get a reasonable price.
    Thank you. The last bit is key isn't it? Still thinking about that bit!
    Does sound very positive and stands a change the original flooring has been covered over; it's the easiest option. 

    The distances are a good distance too, not too close for hustle and bustle, but close enough to walk.

    Everything is crossed for you.

    Your private treatments are money well spent. Have you researched what's available in your preferred location as you'll want to continue/ have frequent holistic support.
    Thank you. All excellent points, if I can secure the home...
    mark55man said:
    don't bend too far to keep the EA happy - but generally if you know your own mind as well as you do, their BS isn't going to affect the outcome so a velvet glove with a fist of steel is about right
    I'm learning about strategy at the moment but my befuddled brain lost its words last week.

    Sounds like some good practical advice was had
    Thank you both  :)


    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) 25/072025
  • De-lurking to say a book, the radio and copious amounts of tea sound IDEAL!

    Good luck house-hunting going forwards - the right house will present itself and your patience will have paid off.

    BiB x 
    DF :grin:
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.6K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.6K Work, Benefits & Business
  • 600K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.