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Real life adulting by a near 44 year old single female!

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you get that moving date soon. 

    There are quite a few Scottish posters on here - and it makes me want to visit. Some of the countryside is stunning.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • salduck
    salduck Posts: 1,070 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    All paperwork received today and signed for delivery tomorrow to my solicitor! Exchange will be tomorrow or monday and then completion w/c 15th AUgust! Hurrah! 

    I do have one small issue- My solicitor is asking for 10% deposit of £13k ish, i only have my 5% deposit of £7k ish. Im hoping they accept this as was never mae aware i may have to pay the whole 10% and then get it back- I literally dont have that money! 

    Have transferred the 5% so will see what they say! 

    S
    Mortgage free wannabe! No idea on date yet! £132,350 TBC
    Loan paying off May 2022 £7000
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Ahhhhhh this is so exciting!

    Not sure on the deposit front. But they should be able to clear that up for you.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the 5% is okay - as I understand it your liable for the 10% if you don't complete - but there's normally a way round having to physically hand over the £ if that's due to come from the mortgage / your sale.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • salduck
    salduck Posts: 1,070 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Once again i have been shocking with updating things! When I'm on leave i don't access my computer all the time so forget! 
    I am STILL not moved! I have handed notice in and was meant to be Monday for completion but there is a delay so I am now waiting to hear from my ever diminishing trust in solicitor!! 

    He is due to phone me on Monday as he has requested the mortgage funds and everything other than one query is in place- I need to hand in my keys for this place on the 25th August, i am then on holiday until the 30th! 

    So the upshot of it is i am expecting to complete on Thursday i then have to find a moving company who is available for Monday, clean tuesday and wednesday and hand keys back before i depart! Im really really hoping it no later than this and im also gonna struggle to get a moving company, Im hoping they have availability or else im screwed!! 

    So thanks to those who are following- 5% was fine and it was a standard document that he sent me ! Im now gonna be on the phone Monday morning first thing demanding a date for completion! 

    Sal 
    Mortgage free wannabe! No idea on date yet! £132,350 TBC
    Loan paying off May 2022 £7000
  • northwalesd
    northwalesd Posts: 1,319 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Good luck Sal.
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I'm very excited for you but I know it's a very anxious time for you.
  • Cornish_mum
    Cornish_mum Posts: 669 Forumite
    Fifth Anniversary 500 Posts
    Best of luck Sal, very exciting! CM
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck. Sounds really frustrating and stressful
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,752 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Good luck on the moving date, sounds very unnecessarily stressful.
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
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