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In the Meantime

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  • Skint_yet_Again
    Skint_yet_Again Posts: 8,517 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    ^^^ I agree with you dia & jwil. 

    I could take money out of my equity if I needed to or use credit card, but when my interest comes in feb I will be setting aside £1000 for an emergency fund. 
    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/p1
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    You've done well getting this far and after next week things will be calmer.

    Great news about the improvement and potentially no op needed. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • beanielou
    beanielou Posts: 96,001 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    If you have somewhere to store the mattress I would seriously consider it. 
    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.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I would wait on the mattress as they are such a pain to move or store.
    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
  • doingitanyway
    doingitanyway Posts: 10,127 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 9 July 2024 at 7:38PM
    beanielou said:
    If you have somewhere to store the mattress I would seriously consider it. 
    I would wait on the mattress as they are such a pain to move or store.
    Thanks both. I don't have anywhere to store it that wouldn't inconvenience someone so I've decided to leave it. Also, it would mean draining my emergency fund and I'm really keen not to let that dip much below £1k

    Today I received the electrical safety certificate and the boiler installation certificate. The house is part newly rewired and the rest of the wiring is about 15 years old but in a good condition according to the report.

    So today my house angst (that I am sharing here rather than boring people in RL) is the house was renovated by a house renovating company. I only today had details of their company so I looked them up. They seem ok. I looked up the major shareholder of the company and there was nothing online that suggested an issue.

    • I am waiting for information on accessing the floor recess. 
    • I am waiting on information for building regs for the loft. I need them before Friday when the survey takes place. Other than that nothing is currently outstanding.
    I'm feeling a bit weird about the upcoming survey, but hoping everything will be ok.

    I hope everyone is ok today

    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
  • redofromstart
    redofromstart Posts: 5,886 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I think sensible to hold off on the mattress and then order once you are in a long term home and can get it delivered to the room. Ours was really hard to get up the stairs! 
  • doingitanyway
    doingitanyway Posts: 10,127 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I think sensible to hold off on the mattress and then order once you are in a long term home and can get it delivered to the room. Ours was really hard to get up the stairs! 
    Thank you. I was trying to be MSE but I agree with you now I have had time to think...
    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
  • jwil
    jwil Posts: 22,196 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's great news about the electrics, one thing less to worry about!  If you haven't found anything negative online about the renovation company, then hopefully that's a good sign.  Fingers crossed all is well after the survey too. 

    I agree with leaving the mattress for now. The inconvenience and hassle would probably outweigh any monetary saving.
    "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: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    I believe you can look at the regs portal to see if there's any details, it's just directly asking BR you can't do. Perhaps that will allay concerns and allow you to update the surveyor? If an official response is received from the seller / sols you can forward that on too.

    Glad you're holding off on the mattress, others will appear when it's more convenient for you.

    Not sure about your GP but mine has exercise help sheets to download and follow, maybe check yours and the NH$ site as a way of getting/ doing something in-between your private appointments. Also have a look at beginners yoga on YT to help with stretching etc.
    Mortgage started 2020, aiming to clear 31/12/2029.
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