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In the Meantime
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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 ...😼4
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Lovely that you were given a replacement phoneAchieve 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 13/9/253 -
Thanks @another_casualty and @savingholmes
I seem to be busy either searching, travelling, viewing and endlessly adding up figures and thinking about money in relation to finding a new home. It is like my days when I was in debt and numbers were constantly running through my head making me nervous. I have been feeling stressed but I have been talking about it and letting the stress out. Also eating crisps a lot. (I'm not worried as I won't keep doing it) I keep telling myself that something will work out. I can only hope and keep being proactive.
I have seen a house that I have offered on, but so have other people so it is going to F&F. I love the house. It needs work it is true, but the original features are all there on the other hand. Great area too. If not this one there will be something else. More homes are coming on. There is another I want to go back to so I can take pictures and get advice as there is something I can't quite understand.
The lovely creative run of work has been drowned out with all the house/finance related stuff
This week is busy until Friday with socialising as I'm staying with a friend for a few days then taking young relative swimming. A jumble sale (love a jumble sale) on Saturday
Going to try and get the creative flow back next week.
Hope everyone is okIf 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 -
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 😼2 -
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 13/9/252 -
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 31/12/2029.3 -
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 McGee2
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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.- MSE I bought a weekly pass to save on travel fares as this a cost that keeps creeping up.
- Using the Mr L. 1.50 veg box (They are popular and I missed out today. Will try again at the weekend)
- I have kept my water bottle topped up so I'm not buying drinks out.
- Using Mr L. more, and the v expensive health shop, less.
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) 25/0720253 -
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.3 -
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 31/12/2029.3
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