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Prosperous & Creative Soul & MFW Year 3
Comments
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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 😊
KKAs at 15.04.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £236,911
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 18 books of target 52 in 2025, as @ 20th April
Produce tracker: £41 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.3 -
-3 here apparently. The frost was super crunchy until afternoon.3
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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 Apr 28/Current Feb 33
Mortgage OP 2025 £4350/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £39,031
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
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 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 -
Do not make any enquiries with the council about building regs for the property as that will alert them and render any indemnity policy as invalid.
- some councils have a portal the public can check historical records, which is what your surveyor may have done to draw his conclusion.
The indemnity policies are one off purchases, not like car insurance.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Glad to read the meds are helping.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 -
Sorry to hear about the survey challenges, hope it all works out soon."If you can dream it, you can do it". Walt Disney2
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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.4 -
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 = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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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 in 2030
1) MFW Nov 21 £202K now £176.1K Equity 32.26%
2) £3.2K Net savings after CCs, Garage (£1.4K), Holiday (£1.2K) & Art course (£2.9K) + materials
3) Mortgage neutral by 06/30 (AVC £17.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 23.3/£127.5K target 18.27% updated 4/4
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.4K 13/3/25
6) Home improvement in 2025 £1.4K 4/4/25 (Poss £2.8K to spend)4
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