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In the Meantime
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Thanks everyone
@Brie yes, as @beanilou says, it is 3 points that need responses to as part of the application form.
No lists for a few days but the old lists are complete.
So, a few days away from here. Nothing much has happened but someone was staying since Thursday. They have just gone. I preferred being by myself but they asked if I minded and I didn't feel I could say no. My time here is coming to an end tomorrow. On to the next place. Hopefully that will work out ok, and I can settle there and my next move will be to my own home. I have been told I can stay as long as I like. That is nice, but I'm so keen to settle in my own home...
It has been good here. I can now sleep through the night and I am less stressed.
Nothing suitable has come up house wise. There was something but it was on a busy road and that put me off.
I still have a grip on my finances. I lost track of my CC so I made a payment by guessing. I will get the statement next week.
I have read 5 books since being here!
I bought a secondhand jacket today. Pure new wool and beautiful. Only £15. It looks new. The pockets are still sealed and the top button has a packet of spare buttons in it. Dry cleaning will be another £5. Also a vintage 70s, I think, cabin bag (Antler). Perfect for a few days away. £10, same shop.
I was at the seaside yesterday. Sunny but cold. I've decided beaches are wonderful all year long
The ongoing application form has a deadline of tomorrow!
Hope everyone is ok
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) 25/0720257 -
Good luck with the application.
Hope you find your own home soon. I too think the sea is amazing any time of yearAchieve 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 29/7/256 -
I hope your own home is found soon.
I agree, beaches are wonderful and so calming any time of the year."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 McGee6 -
Can't beat listening to the ripples of water meeting sand.
You'll find the right home soon.Mortgage started 2020, aiming to clear 31/12/2029.6 -
Thanks @savingholmes, @jwil, @MovingForwards
I agree I will find somewhere. I also need a job so I have switched to focusing on a job (whilst still looking for a house of course) that as it feels like something I can take action on.
I worked last night to get the form completed before the deadline today. I finished it off this morning. It has been sent! Pleased with myself regardless of the outcome.
It is my last day here, so going to treat myself to coffee and cake in the sunshine for elevenses
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) 25/0720259 -
Well done on the application - as you know I love the beach so cannot agree more with youI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine6 -
Enjoy the coffee and cake ☕️🧁 It's a nice day for it
Good luck with the job hunting , and finding your eventual permanent home ..🤞5 -
It sounds like your stay has been good for you. I love the beach all year round too. I read that a seaside walk clears the head and invigorates and energises whilst a walk by still water eg pond or lake calms.5
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Glad that you got the application in.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.5 -
Well done on the job hunt. Glad you had a refreshing time away.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 29/7/254
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