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Prosperous soul, mortgage neutrality & creativity Year 2

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  • Good luck with the viewing today :)
  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the viewing!  Have a lovely day.

    You've made huge amounts of progress over the last two years, it's amazing.

    Last I heard one of the ballots was going to be carrying on until well into October, so I don't think the pay settlement is forthcoming. :(
    "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
  • lucielle
    lucielle Posts: 11,513 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fingers crossed the house ticks all the boxes. 
    L
    Total 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 #124
  • Best of luck today SH!
  • I hope the viewing goes 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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Hope all goes well with the viewing and the house is “the one” - and massive congrats to DD for her driving test pass too - superb news! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
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  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We went to a nearby country park and had a picnic while the kids played, ran around etc - while we pondered next steps.

    She's going to go with me to a second viewing of one more local on Monday lunchtime - which will be interesting with my workload!! I've already agreed time out in principle with my boss though for viewings and said I'd just work my hours differently to fit them in. The more local house had great views, is on for £35K less, has better quality workmanship but felt a lot smaller. She thinks I'm still falling into the trap of narrowing my house search prematurely - and that I need to be careful of moving without securing the 'right' property. Sis thinks I need to look at more expensive houses - £25-50K more expensive with a view to bargaining them down. She's going to help with that as it's not my strength - I have to much empathy for the seller. 

    I feel like I have an impossible set of criteria
    • Great views
    • Not overlooked 
    • Decent quality and energy efficiency - or easy to overcome issues
    • Preferably existing ensuite and downstairs toilet
    • Preferably multiple reception rooms - if elements are open plan - ideally not including the kitchen - Kitchen devices are very noisy - and can waft smells around the space that can linger.
    • I would prefer kitchen diner as don't want to waste a room on a dining table
    • Need at least 2 double bedrooms (one big enough for a superking) and a separate work from home / art space (or ideally both)
    • Decent garden 
    • Planned storage spaces
    • Ideally a cul de sac. I'm noise sensitive. I'm woken by trains here and by a neighbour 2 doors up who is often on call overnight and goes out. I'd struggle more if I was on a busy road. Many modern estates are far too big and connected - increasing the likelihood of cars and even pedestrians going past noisily in the night.
    • Nearby corner shop
    • Be aware of air quality - so try not to be too close to major roads. Spotted a pretty house earlier - and then noticed there was a motorway very close to it... erm that would be no then
    • Ideally not too far from hospital, shops etc

    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
  • beanielou
    beanielou Posts: 95,685 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I think that you can rule out that house then.
    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.
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