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In the Meantime

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Comments

  • Hopefully things will improve after the spell you have had . 
    It sounds like you can breathe again and push on with the things that are making you happy . Keep going ...😼
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely that you were given a replacement phone
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • Althouyh majorly stressful, you are finally viewing properties again which hopefully won't take too long and will finally get you yoour ideal place 🤞
    It's a good thing although your brain is being racked evey which way .

    Good that you have a good week socialising . Hope it goes well 😼
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Best of luck with the offer. 

    Hope you have a fab time socialising and that your creative juices start flowing again.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 13/9/25
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Fingers crossed for your offer.
    The socialising will do you good, it's a change and opportunity to relax.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • jwil
    jwil Posts: 22,231 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the offer, and enjoy the rest of your week x
    "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
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 29 April 2022 at 8:41PM
    Thank you everyone  :)

    @another_casualty, you are right my head is all over the place! Like you I think it all come good in the end.
    @savingholmes, not sure the creativity is flowing again quite yet but I'm planning on ring fencing 3 days a week to get it going again.
    @MovingForwards, the socialising did indeed do me good. It was good to relax with a friend and do some cooking too.
    @jwil. I had relaxing time socialising thank you.

    So, the major event this week has been the house I viewed and offered on. It went to best and finals. I offered over the asking but a 'substantial offer' won out. It is hard as I got so very close. Funny how emotionally attached you can get to a house. I deleted all the photos and the film I made of the house. I  felt so disappointed but on I go. Not going house hunting this weekend but will back searching after the BH.

    The only good news about the house I wanted is I got all my financial ducks in a row...there are still a few frogs to eat in this area...

    I did purchase toiletries and some essential oils but consider these purchases to be essential in ensuring I  look after myself. 

    Busy yesterday as an older relative had a heart attack so I went to see them. 

    1. MSE I bought a weekly pass to save on travel fares as this a cost that keeps creeping up.
    2. Using the Mr L. 1.50 veg box (They are popular and I missed out today. Will try again at the weekend)
    3. I have kept my water bottle topped up so I'm not buying drinks out.
    4. Using Mr L. more, and the v expensive health shop, less.
    Wishing everyone a relaxing weekend


     
    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
  • beanielou
    beanielou Posts: 96,111 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sorry to hear about the house.
    They are just going so much over the asking price.

    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.
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Sorry about the house and I hope the relative has a good recovery.

    You're doing well with the water, can you take a snack box in case you want a nibble while out.

    Toiletries and oils are the perfect pamper and relaxation treat, worth every penny.
    Mortgage started 2020, aiming to clear 31/12/2029.
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