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Comments
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If BI is building insurance I didn’t go for the cheapest option either, I went for the reliable provider option4
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I think sometimes being MSE isn't about getting the cheapest price, it's also about what's best for you, and paying a little extra to relieve a source of stress is worth it."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 McGee2
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Looking forward to hearing you've exchanged. The sea air will agree with you, after all people were sent to the coast for recovery years ago.
Grab whatever B&Ci you're comfortable with as it is a headache not needed this time.
Glad your infection has passed, don't push to get fitness and energy levels back up quickly.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Glad you're on the mend and getting closer to exchange. Good that the relative was positive over the viewing too. Nearly there.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/252 -
Thank youWelshmansDaughter said:If BI is building insurance I didn’t go for the cheapest option either, I went for the reliable provider option
Yes BI is buildings insurance. I couldn't take the stress of the search so for this year I have overpaid but at least it is done.
Thank you for understanding. That is exactly what I didjwil said:I think sometimes being MSE isn't about getting the cheapest price, it's also about what's best for you, and paying a little extra to relieve a source of stress is worth it.
Thank you.MovingForwards said:Looking forward to hearing you've exchanged. The sea air will agree with you, after all people were sent to the coast for recovery years ago.
Grab whatever B&Ci you're comfortable with as it is a headache not needed this time.
Glad your infection has passed, don't push to get fitness and energy levels back up quickly. Yes, this is a place the sick used to be sent to for sea air so it will be good for me.
I took insurance without a big search. At least I'm covered. Next year I'll do better
Thank yousavingholmes said:Glad you're on the mend and getting closer to exchange. Good that the relative was positive over the viewing too. Nearly there. 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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
It has not sunk in. When it has I will do a longer post.
But, I've had so much support from this corner of the forum that I had to come on and let you all know. I have exchanged contracts. Yep. The house is mine. I move in next week. After 3 years of homelessness, it is over.
Thank you all for the positive vibes and support XXIf 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 3501000
Buffer fund 0/100
Debt Free (again) 25/07202515 -
Oh I am beyond happy for you xx4
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well done you. to see someone who came from being afraid of getting work done to someone who stayed strong in pursuit of their ideal home, is truly inspiring
Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.3 -
Hurrah!
hurrah!
hurrah!
so very pleased for you!My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo4 -
Yaaaaaay, delighted for you!https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 56
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r63
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