We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
In the Meantime
Comments
-
If BI is building insurance I didn’t go for the cheapest option either, I went for the reliable provider option4
-
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
-
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 £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 29/7/252 -
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 800/1000
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 800/1000
Buffer fund 0/100
Debt Free (again) 25/07202515 -
Oh I am beyond happy for you xx4
-
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 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.3 -
Hurrah!
hurrah!
hurrah!
so very pleased for you!My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo4 -
Yaaaaaay, delighted for you!3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.5K Banking & Borrowing
- 253.3K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.5K Work, Benefits & Business
- 599.8K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards