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In the Meantime
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Hope you get it. If it's a numbers game it has to be your turn soonAchieve 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 -
Hope you get the house. The craziness has seemed to have dropped a little bit here since all the cost of living stuff kicked in - hope it's the same where you are."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 McGee3
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You're doing the right thing by only telling us , and low expectations .You are viewing more properties and potentials , and eventually one will be yours . 🤞
Enjoy the sunshine ..3 -
good luck DIA - make sure they take it off the market. On a 1% commission EAs don't tend to muck about scrabbling for an extra few K as its literally <£100 extra commission for them. Just emphasise how quickly you could proceed. The secret for you from here is closing the deal quickly - forget all other frogs and despatch this dino-toadI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
Thank you @Sunshine_girl2 @jwil @Chrystal @MovingForwards, @another_casualty @savingholmes and @mark55man
So nothing more I can do on the house. I have formalised offer. They know my position. I have sent proof over. Ball is in thier court now, but I will update here (@mark55man if successful I will ensure it is taken off the market.)
Today I visited a relative in hospital. Lots of travelling on transport. Fumes on bus so we had to get off. Getting sick of all the pollution. Another reason why I want to move to the new area!
I bought a travel pass to cover the week to stop the frittering.
I picked up FR chicken breasts 4 packs (2 in each) 6.70 each reduced to 1.60 each Also a few packs of some heritage tomatoes 2.05 each, reduced to 55p
Picked up some dividers so I can organise paperwork (£3) tomorrow.
Quite tired tonight. 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) 25/0720255 -
Fingers crossed, you've done what you can.
Bargain shopping and make use of your pass, go visit places where there's space and greenery.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Thinking of you. Try and chill if you can. XXX
I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy3 -
I was just thinking the other day how lovely it will be when more and more moves to electric so we won't have the horrible fumes any more.
Hope you manage to have a relaxing day."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 -
My MIL used to say "what's for you won't go by you" - I so hope that's the case for you hereI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Good luck on the house! Rooting for you!👍😃Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”4
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