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In the Meantime

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  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great haul on the veg boxes. 

    Glad you have a link through to make an appointment even if there were none immediately available. Well done for keep chasing. 

    Good luck with the EA. I personally would want the control of a freehold and would want to avoid service charges which can be really hefty and increase by unknown amounts which makes budgeting difficult. Obviously with a whole house though all the maintenance costs are yours - but you have more choices of how you maintain the property etc.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 29/7/25
  • Seasidegal58
    Seasidegal58 Posts: 6,081 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    That's such fantastic value on the veg boxes DIA!  You'll get some good meals from that selection. 
    Pleased to read to had a good night's sleep. It makes all the difference. 👍
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • jwil
    jwil Posts: 22,204 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely to have a good night's sleep :)

    Your veg boxes are great!  I've only ever managed to get one once I think.
    "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
  • MovingForwards
    MovingForwards Posts: 17,157 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Good luck and fingers crossed they now see sense. I'd not want leasehold either, unless that's all I could afford.


    Mortgage started 2020, aiming to clear 31/12/2029.
  • redofromstart
    redofromstart Posts: 5,886 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I've had free access this year to a scheme due to a former work pension scheme being hacked. Not had anything from them at all. 

    Free and worthwhile for anyone with an interest in a property is https://www.gov.uk/guidance/property-alert

    changes or charges to your house, your parents house, etc for free
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    MSE has a free credit check service too which I check monthly.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 29/7/25
  • beanielou
    beanielou Posts: 96,048 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I also use the MSE one.
    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.
  • Just catching up now DIA, hopefully the EA gets back to you soon. 
    I’ve found that tai chi exercise works when I need to centre myself. But I would recommend weight training the most. It changes my awareness of my body and fills it with positive feeling.
    For your situation I would also consider a hanging chair or swing to let your body have a break from supporting itself.
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