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In the Meantime

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  • doingitanyway
    doingitanyway Posts: 10,176 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks @another_casualty I know you don't like oysters! No frogs have been harmed in the postings on my diary  :)
    @MovingForwards and @savingholmes thanks for the encouragement  :)
    So pleased your offer has been accepted on your potential new home and hope it all goes well. 
    Thanks @enthusiasticsaver@Sunshine_girl2 posted in a similar way and you are both right. It is my POTENTIAL new home. I feel quietly optimstic, but if it all falls through all the work I  have done will not be wasted, as it will be necessary for the new home I find after. That said, I am starting to get attached to the house after promising I  wouldn't  :(

    Yesterday I scoured the RICS websites and now I have a hit list of building surveyors in the area. Quotes were roughly half the price of the aerial-shot-bells-and-whistles surveyor I initially found and got a quote from. That closes the shortfall by another few hundred pounds. I am out today so I will make calls tomorrow morning and obtain some written quotes.

    I had good news yesterday! My relative is out of hospital and back home. I will visiting today. I. also have counselling. I. will see DS and the little one. I. will visit my favourite CS too. Lunch packed, so there is no need for frittering.

    Wishing everyone a good day.

     

    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
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,124 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Good news on the relative coming home. Hope the day goes well it sounds busy . 
    Life is an adventure, never stop exploring.

  • jwil
    jwil Posts: 22,243 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news about your relative.  Hope you had a good day 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
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on relative and surveyor
    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
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds very sensible on the purchase.

    Hope your relative improves soon
    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
    It's great having options to jump to, if needed. 

    Hope your relative has a speedy recovery.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Chrystal
    Chrystal Posts: 2,005 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Thinking of you, and keeping everything crossed that things go the way you need them to.  (((hugs)))XX
    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 unhappy
  • Brie
    Brie Posts: 15,102 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    completely sympathise with the relative situation. 

    MiL would discharge herself if she knew it was an option.  Doesn't want to be in hospital but isn't doing anything to help for her to be released back into the wild.  Fortunately the staff are completely on our side regarding what they will agree to.  it's the one good thing about not having POA (yes, i know) that we cannot ask for her to be returned home or sent elsewhere, it all needs to come from her.  and she can't say she wants to go home as she doesn't have one as she lives in our home.  it will take some major planning if she is going to be able to come back to us and the hospital is quite ok with that (for now at least!)
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

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