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Prosperous soul, mortgage neutrality & creativity Year 2
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I think you’re looking at your own home, with a fresh pair of eyes if that makes sense? It sounds like the meds are really helping on all fronts, clarity and weight loss. Hope the viewings go well.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1243 -
Thanks MF, Jwil, Seaweed and Skint
The viewing I went to was a wash out - the one with a field view. I've set up some other appointments later in the week.
I have however just had a decent offer. Slightly under asking but not by that much. I'm waiting for the Sales Negotiator to call me to discuss it properly with me as all I've had is a message so far. I think I'll go ahead with tomorrow morning's viewer as they claim to be a FTB - you never know I could get another offer. I was excited and lit up when I got the offer - so that says my body wants to move - even if my head is vacillating about what is best to do.
I just did a driveby of the showhome type one. The road it's on is very narrow - you kind of need the drives to even be able to turn. It's not in the best area - so I may still view it as it is very close but unless I get the feeling this is my house I think it will probably be a no. I think I'm going to go and do a load of drive bys today and see whether the ones I've enquired about are worth viewing.
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 29/7/255 -
Good news on the offer
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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Exciting news on the fair offer SH! Best of luck with your drive by's and viewings, it could all fall into place nicely now 😎3
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Brilliant news on the offer!"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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Great news on the offer .Life is an adventure, never stop exploring.3
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Woohoo! Great news🎉🎉🎉Mortgage OP 2025 £6250/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,210
Money making challenge £38/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Fab news on the offer, good to have options x3
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Great news on the offer.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.4 -
Good news on the offer. Now you can really explore literally and with your own thinking process what you might do next.
looking at smaller homes is the most difficult moving option - for years we have focussed on upsizing so it's a compete shift in mindset to downsize.4
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