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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
    I think after your previous house surveys its natural to feel trepidation. Perhaps as people advised me at the time - work out what you can live with ahead of time if you can and decide what would tip you to re-negotiate or pull out.
    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
  • It’s natural to worry when you don’t have all the information you need and these things seem to take an age. You’re not just buying a house, you’re looking for a home. Keep that in mind
  • Hoping all goes well with the survey today 🤞
    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
  • doingitanyway
    doingitanyway Posts: 10,127 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    jwil said:
    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.
    Thank you I agree :)
    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
  • doingitanyway
    doingitanyway Posts: 10,127 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    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.
    Thanks I will try and find the regs portal but so far sellers are saying the previous owners carried out changes and they haven't...

    I need to get better at exercising. I do have self help sheets  :)
    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
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,517 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    All sounds really positive 🤞 Great news about the unknown money 🤗 glad you treated yourself and friend to something nice 
    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
  • Chrystal
    Chrystal Posts: 2,005 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    It sounds good, and I'm sending every positive thought possible to you. ((((hugs)))) XX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • beanielou
    beanielou Posts: 95,999 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the windfall & all positive vibes for the survey. 
    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.
  • jwil
    jwil Posts: 22,190 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That sounds really positive about the survey, and great news about the windfall.  It's great that you managed to do something nice for you and your friend as well as enabling you to keep your emergency fund intact.
    "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
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