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In the Meantime

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  • doingitanyway
    doingitanyway Posts: 9,962 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    edited 3 September 2024 at 4:16PM
    Checked PBs. No luck this month. Ah well. 

    I've spent all morning procrastinating. Enough is enough.
    • Set up a spread sheet where each document can be actioned. Spend a minimum of 2 hours doing this
    • Make a list for surveyor
    • Clear all filing
    • Check all bank statements
    • Ask for sign off help
    • Move viewing appointment by an hour to reduce stress
    Edited to add, I've done well  :)

    Waiting to speak to surveyor for the last time. 


    Not sure I need sign off help as I seem to be ok

    Chased solicitor for forms


    Hoping to exchange this week...then hopefully my system will calm down

    Will take a walk to buy some B's flower remedy (mostly psychological I'm sure but if it works I don't care)

    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 21,975 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great progress on that to do list.  No luck for me with PBs either.  Hope the flower remedy helps.
    "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
  • Are you going to exchange and complete on the same day ? 
    Quite a lot of people with no chains do that now 
  • Still go away as it may be the last break this year as you're settling in.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I prefer exchange with a gap if you can. Great news on the windfall.  All the best for the move
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • I've just been reading through your diary as I've been off the boards for a while DIA. 
    Massive congratulations with the house purchase. It must be so exciting for you after all the ups and downs you've had in the past. 
    I hope you manage to get a little break in to recharge your batteries. x
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Sailing against the flow here but I would expect you to be expected to complete very quickly (days, not weeks) after exchange given the lack of chain, and I would also expect the random unplanned things you have to buy to go up in the short term once you are in. I would be focussing my savings and spending and efforts on being in the new place if I could, not on going away and the inevitable spending involved IF it was optional. I appreciate it may not be. 
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