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Prosperous soul, mortgage neutrality & creativity Year 2
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Thanks Beanie, KK, Leigh, Jwil, Sandy, Blackcats, Crystal and Skint
The EA is supposed to open at 9am but has gone straight to voice mail (3 x). So frustrating. I'll get dressed and then try again. I think I have meetings from 10am though so really frustrating.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 29/7/253 -
Keeping everything crossed.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 #1242 -
Sending positive vibes x2
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good luck on the house negotiationsDON'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#latest2 -
Hope you get hold of them but they should be trying to contact you as well. Sending positive thoughts.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest2 -
Thanks Four Seasons, TallGirl, LWAP and Lucielle
I spoke to the agent earlier and said it was a solid house but I'm concerned about the price and explained why. I asked if they would be likely to accept an offer in the 290sK as it seemed over-priced compare to its neighbours. She explained it had an extension as well as the conservatory (and putting in an ensuite and utility) which the other doesn't have and had a bigger floorplan originally. The EA said she knows they absolutely wouldn't consider anything below £300K - but that if I could stretch to £305K or £310K start there rather than offending the vendors and having them say no. Sis thinks I should do best and final at £300K. I'm torn as I'd really like it. I guess it's worth a try but would it then feel a huge climb down if I then ended up offering more. Not convinced I'd walk away at this point - but don't want to pay any more than I have to.
I spoke to someone who live in the area - she thinks all that estate is over-priced although she gets the views part..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 29/7/254 -
Nothing quite like moving in after dark with not a single light bulb anywhere in sight.
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I'd go to £303k
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 -
You do pay extra for views and if you really like it worth not starting too low. I got £15K off my house bought 4 years ago. I started way low and just went up in small increments however they did not like this so came up with a figure which I agreed on. I go have stunning views but its close to a motor way and there is a visible pilon so there is always a downside somewhere. Good luck with negotiations no need to rush as they have had no interest for so long they might also want to think about.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest4 -
I wouldn't be concerned about thinking of increasing your offer in the future as a climb down, it's part of a negotiating strategy. I wouldn't think you are at the best and final offer stage just yet though ... that does sound a bit .....final
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