Prosperous & Creative Soul & MFW Year 3



  • KajiKita
    KajiKita Posts: 3,579 Forumite
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    Well done for asking the EA …. 🤞🤞

    The difference in how the meds affect you sounds huge! Really hope the supply issues are resolved now and you can stay on them!! 

    It’s cold this week 🤷‍♀️ I think the forecast for next week is a bit milder so your thermostat should not be tripping in as much 😊

    As at 17.03.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £255,571, end date brought closer by 2 months  
    - OPs to mortgage = £5,965, Interest saved £2,124, to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 12 books of target 52 in 2024 (as @ 9th April)
    Produce tracker: £10.90 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • -3 here apparently. The frost was super crunchy until afternoon.
  • skint_spice
    skint_spice Posts: 12,610 Forumite
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    I hope your buyers get sorted out soon, I had a gift thing to sort out when I bought my place as money came out of exs account but my mortgage person sent me a form which he filled in and I sent back the same day. 
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Sep 35

    Mortgage OP 2024 £2250/7000

    Mortgage balance: £52660

  • beanielou
    beanielou Posts: 90,052 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Glad the meds make such a difference.
    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 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.
  • lucielle
    lucielle Posts: 10,702 Forumite
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    Glad to read the meds are helping. 
    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
  • jwil
    jwil Posts: 18,988 Forumite
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    Sorry to hear about the survey challenges, hope it all works out soon.
    "If you can dream it, you can do it". Walt Disney
  • Blackcats
    Blackcats Posts: 2,686 Forumite
    First Anniversary First Post Name Dropper
    Pleased that the changed meds are making a difference.
    your EA needs to keep following up with your buyers -I think they should be further forward than they seem to be.  You accepted their offer before your offered on your new house.  Would be good to get their survey/valuation done before Christmas.
  • girlatplay
    girlatplay Posts: 3,883 Forumite
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    You're only 7 pages into this diary so I thought I'd just catch up now.

    I'm glad the meds are better.

    It's a bit to think about with the house. The process is different in Scotland so I can't really comment. See what the seller comes back with. I guess it depends how much you want that house. It will all work out how it is meant to.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £166,457.86
    300 282 payments to go.
    House buyout fund £3,261.67/£40,000
    Random Pick Fridays = £80.01
  • savingholmes
    savingholmes Posts: 27,234 Forumite
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    Thanks MF, Jwil, Blackcats, Lucielle, GAP, Beanie, Skint, WD, KK

    -3 doesn't sound great WD. We had snow here at the weekend although it's gone today. 

    Will see what the EA comes back with. 

    The buyer seems to think the valuation will happen in the next week or so but given no appointment has been booked yet that seems unlikely. I need to return my signed forms - and get someone to witness them first. I hate the idea of posting something so important though.

    I need to write to my solicitor about the building regs aspect too although they should have been investigating that anyway as I'd told them the vendor had had work done. They haven't shared anything with me about the house I'm buying despite my chasing.

    I'm due to start work in ten minutes on a call. I'm not remotely ready. Think will just wear a big fluffy jumper for the call and dress properly after the call.

    My lounge is getting worse... I've spent all weekend making art with corresponding mess! Mostly trying and failing to match skin colour and shadow. I feel I've almost ruined the original pieces and wish I'd just started again on a new portrait. Still hoping I can recover them. 

    I've booked 3 Mr A orders on the run as I hate busy shops - and I can always cancel them if I don't need them.

    Money is going roughly OK. I think I've bought everyone's gift now. Will be giving part £ for some. Still need to finish wrapping. Really hope the cleaner feels better this week, has no car issues and actually comes. Have my counsellor and art class this week too.

    Right - best make myself move. Have a good day y'all

    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
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