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Prosperous soul, mortgage neutrality & creativity Year 2
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OMG massive congratulations on getting the offer accepted fingers crossed the chain will be complete soon. How are you feeling? Excited? Nervous? Great to save £10k obviously wait for the survey in case you need to negotiate more. Also do join the waiting to exchange thread on the MSE selling/renting board I learnt so much about timescales and all the steps.Sending best vibes for the inwards journey hope it all goes smoothly.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 -
Good news for you.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.3 -
Good news SH!
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living3 -
Great news on the offer!3
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Yay! Congratulations. The house sounds so beautiful and I know as creative as you are you are going to make it a wonderful home for you. I hope the owner is able to find something for herself quickly too.Mortgage start date Dec 2015 - $64,655.00
Mortgage end date Dec 2045 - NOT!!!!
Mortgage balance - $4600.00
Business Savings $43,310/100k
Hope to be mortgage-free by end of 20234 -
That IS exciting news - I'm so pleased for you, that was the first house you sounded really engaged by too so it's wonderful that it looks like it might be able to happen for you! Fingers crossed your seller finds something to buy sharp-ish now!
As for whether DD taking stuff counts as decluttering- it definitely does, it's stuff leaving your house, and that's the main thing!🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
Great news!3
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That's really useful. I didn't know that thread was there... not sure I dare look yet.TallGirl said:OMG massive congratulations on getting the offer accepted fingers crossed the chain will be complete soon. How are you feeling? Excited? Nervous? Great to save £10k obviously wait for the survey in case you need to negotiate more. Also do join the waiting to exchange thread on the MSE selling/renting board I learnt so much about timescales and all the steps.Sending best vibes for the inwards journey hope it all goes smoothly.
Thanks TG, Beanie, SSS, EH, Dancing and Leigh
I'm excited and nervous. It feels a much better decision at £285K than it would at £295K. As I can now cashflow some kitchen improvements etc. It's the best fit of what's available in my price bracket currently.
I've checked with the EA and my buyers are still patient and happy to wait. I've said to her EA they need to get her to take it off the market while she looks - awaiting confirmation on that.
EssexHebridean said:
Decluttering - 2 car loads is pretty substantial. It amused me too as she's taken other stuff before in several trips!! I'd tip her bed as she's tipped that much on it while she's had it I don't want to take it with me.That IS exciting news - I'm so pleased for you, that was the first house you sounded really engaged by too so it's wonderful that it looks like it might be able to happen for you! Fingers crossed your seller finds something to buy sharp-ish now!
As for whether DD taking stuff counts as decluttering- it definitely does, it's stuff leaving your house, and that's the main thing!
The new house to be if it works out is split level and has a kitchen diner, a nice lounge and a converted garage and loo all on one floor plus a coat cupboard, and then downstairs it has 3 bedrooms and bathrooms and a mini hallway with patio doors. (The kitchen diner, 2 bedrooms and the lounge all have views). Terraced garden. Stunning views. Driveway for 2 cars. I'd potentially use the converted garage or one of the downstairs bedrooms for art and writing. It has a mini shed. I'd need more shed room I reckon so need to think about that.
I'd ideally take the triple wardrobe from DS's room as the new house doesn't really have fitted cupboards. I'd take the Swedish version of the dressers from the garage too - their cost to replace with the equivalent is astronomical. I'd tip the mattress that I bought on FB - but may keep the underlying bedframe for now in case I want to use it in the third bedroom. I have a lot of cube units in wardrobes in this house rather than hanging storage - so that should help at the new place too. DS's bed is okay as it's relatively new and he moved out within less than a year of us having it... I'd need a new/newer sofa. I need to update my furniture inventory based on that house rather than the previous one I looked at.
Right now feeling trepidation and excitement with the latter winning. I daren't hope too much though in case the owner doesn't find something quickly enough for my buyers.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 29/7/257 -
Huge congratulations on the house, how exciting!
Hope work stuff has been resolved too."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 -
Congratulations! That's fantastic news and the property sounds absolutely delightful. Fingers crossed your seller finds what she's looking for soon; she probably got a list of what to view.
See what else DD wants. Write a list of keep / sell or giveaway / tip for each of your rooms and make a starts. Who knows, things could move quickly!Mortgage started 2020, aiming to clear 31/12/2029.4
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