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Prosperous soul, mortgage neutrality & creativity Year 2

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  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks everyone.

    I've worked a 10 hour day today despite taking a 2 hour lunch break to see a house with my sis that I saw last week. We both concluded it was too small and I would bump into things and injure myself that way. Even the shower wasn't really wide enough to support access without injury. There's a house a few doors up with the same stupendous views where they've added a huge conservatory and where it has an integral garage that they've split into part storage and part utility that looks a better size for me. They've put the kitchen at the front of the house where you are most overlooked and created a huge lounge dining space at the back to maximise the view. They also arranged the bathrooms better and created an ensuite. Unlike the other house which had space for one car on the drive it had space for 3-4 and was block paved.  It's up for £70K more than the other house but it's been up a while and is over-priced so there's a good chance I can bargain them down. They weren't available to view at lunch so I'll have to go back a different day.

    I gave feedback on Saturday's house and the EA put the phone down on me while I was still talking!!!

    Bungalows tend to be over-priced around here - I'd prefer to get a house where there was space downstairs you could convert to a bedroom if needed later but that still gives space for guests upstairs etc in the years before I have those kind of needs. I tend to stay mostly on one level during the day as it is.

    Tomorrow I have a hospital appointment first thing and am then in the office for important meetings. I'm hoping I get to go to my fave outdoor catering cafe and pick up some steak and chips, mushroom and onions.

    DD drove herself over with her BF for the first time in her car. Exciting milestone. She brought two bags of washing (roll eyes). She goes on another holiday tomorrow and is very excited. 
    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
  • KajiKita
    KajiKita Posts: 7,824 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Rude EA!!! 😳🙄 Wow ….

    Crossing my fingers for your lunch tomorrow 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • beanielou
    beanielou Posts: 95,692 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope your appointment goes well tomorrow :)
    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.

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  • Blackcats
    Blackcats Posts: 3,905 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    What a rude EA!  Thankfully you won't be reliant on someone like that to progress your move! 

    Please try and be kind to yourself.  10 hour work days as well as house viewings could really take their toll on your health and well being.
  • Life has definitely turned round for DD and she'll have loads more freedom due to passing her test.

    Keep looking for the right property and draw your list into must have, be nice to have and I'll sacrifice this if the other two sections meet requirements; you'll find the one in time.

    Ours are not even negotiating, said that's their offer and like you think it will be Christmas when the payrise is resolved, ready for them to start on the following years arguing.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the appointment goes well and that you make the cafe
    "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
  • The second house sounds great, with the modifications already made, so no major works for you to consider.  Fingers crossed they will negotiate down some, but as you said before, you can find the extra money for the right house.  Also, hope this house isn't using the same estate agent!
    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
  • Absolutely unacceptable for an EA to behave like that - they should be used to hearing constructive feedback and that is the sort of thing that is helpful to pass on to the sellers as it is "stuff they can address" rather than personal feelings. 
    🎉 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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