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Comments

  • Chrystal
    Chrystal Posts: 2,005 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Better than cake or chocolate!
    Noooo  !!! :blush:
    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
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You have done well on the frog list. 

    Disappointing re the survey report. Hope you find a positive way forward.
    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
  • doingitanyway
    doingitanyway Posts: 10,198 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 6 September 2022 at 11:08PM
    Today has been like a game of chess.

    Vendors gave me an ultimatum: exchange on Monday or they will re-market.

    I countered I won't exchange without due diligence. The report arrived on Saturday and there were issues that were high risk that I did not know existed. 

    I spoke to my solicitor who agreed with me.

    So, I now have an inspection this week for one issue and another for next week for another.

    I have also seen a garden flat. I am going to arrange a viewing. I need to have something up my sleeve to save my sanity.

    MSE wise my new host will not take any money and we share the food shopping. Therefore I am doing some treats and tonight we are having F&C. I had no idea it was so expensive!!! Other than that some mascara from Aldee that had good reviews (want to try and make a bit of an effort)

    • solicitor contacted after 3 attempts!
    • inspection organised for one issue
    • 2 emails to EA
    Tomorrow will focus on creative work and continue focus on all things house!

    Off to bed. If you are reading late at night, sleep well.


    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
  • Chrystal
    Chrystal Posts: 2,005 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Good idea to have 2 strings to your bow. 
     The vendors must know that if they re-market the property that they will  have the same thing happen again with new buyers.  Sounds as though it's probably hot air and bluster maybe desperation? 
    Make sure you aren't buying a pig in a poke!  ((((hugs)))) 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 unhappy
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I agree with Crystal damp can be difficult and expensive to resolve so you are taking all the right steps.

    Best of luck with it all.
    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
  • Sorry to hear about the damp issues but I think you are doing the right thing. Hope it can get sorted. My survey is this week 🤞
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • Took me a while to work out what F&C was! Makes a nice treat and depending on the size could be shared with a pudding and glass of wine / mocktail.

    Garden flat sounds interesting, it's good to keep options open.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 10,198 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 8 September 2022 at 9:06AM
    Took me a while to work out what F&C was! Makes a nice treat and depending on the size could be shared with a pudding and glass of wine / mocktail.

    Garden flat sounds interesting, it's good to keep options open.
    Thanks MF. Going to view at the weekend. 
    ***********

    Off to collect a document from a friend.

    Was going to post a letter accessing funds but will wait until after my viewing a flat at the weekend. PO strike anyway so it won't delay anything by waiting...

    The flat looks beautiful and is huge in terms of square foot but it is only one bedroom, although bigger than many of the 2 beds I've seen. Ceiling height is enormous. Own private entrance. A long lease, only 1 of the flats in the house can be let and a small service charge that goes into a sink fund.  A dog isn't a problem according to the lease.  At this stage I would just get a sofa bed for friends/family.

    Hope everyone has 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
  • The flat sounds lovely!😀
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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