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Comments
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Well, that would be greatdoingitanyway said:
Sorry for being unclear. No, it would be to rent until I can complete on a home to buy.beanielou said:Would the flat be to buy?
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 -
Wouldn't it just! Fingers crossedbeanielou said:Well, that would be great 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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Fingers and toes crossed for positive rental news.
Could you buy cheap refundable train tickets?Mortgage started 2020, aiming to clear 31/12/2029.2 -
Ooh sounds promising. You have been needing a space of your own for a while3
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Hope the cottage and rental work out . Fingers crossed the new houses may be somewhere you like .Life is an adventure, never stop exploring.4
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Same from me too.Sunshine_girl2 said:Hope the cottage and rental work out . Fingers crossed the new houses may be somewhere you like .Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/253 -
MovingForwards said:Fingers and toes crossed for positive rental news.
Could you buy cheap refundable train tickets?WelshmansDaughter said:Ooh sounds promising. You have been needing a space of your own for a whileSunshine_girl2 said:Hope the cottage and rental work out . Fingers crossed the new houses may be somewhere you like .
Thank you everyonesavingholmes said:
Same from me too.Sunshine_girl2 said:Hope the cottage and rental work out . Fingers crossed the new houses may be somewhere you like .
Unfortunately the cottage break did not work out...
So, an update. I've not been posting for a week. Frankly, fed up of trying and not getting anywhere!!
The cottage has a few issues so I won't be able to visit until at least August!
The rental will now be used by the daughter of the family who has returned from travelling abroad.
Sigh.
There has been a delay in my treatment. I could rage about the NHS...Or, I could create my own plan to deal with pain and improve my basic health. I'm staying active and my sleeping has improved.
Action plan...
Week 1 Osteopath
Week 2
Week 3 Osteopath
Week 4 Acupuncture
I am basically fine and still travelling to view new houses (Yesterday I viewed two)
Finances? A fair bit of frittering. Especially wasteful on eating and drinks outside of the house.
Action plan...
Buy salad veggies and lunch fruits and foods.
Stock up on nice coffee
Reasons to be cheerful?
Keeping to my high savings target
Off to catch up on other people's diaries.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 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20258 -
I'm really sorry the cottage break and rental didn't work out. Good to have a plan for your health as well, though the delays are so frustrating, and I hope you don't have to wait too long.
I love your reasons to be cheerful "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 -
Sorry to hear things are not going so well at the moment. Hope the acupuncture and osteopath help relieve your pain.Well done on keeping up your savings despite everything❤️Mum 2018
0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗
Retired at 55 & now living off the equity £10k a year
❤️Dad 2025
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/p12 -
Sounds frustrating to have something dangled in front of you then snatched away - especially when it seems to have come in multiples. Hope things improve for you soon. Be kind to yourself along the way.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.3K Equity 36.55%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
(If took bigger lump sum = 62K or 48.6%)
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 £5.1K updated 14/11/252
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