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Living Large, on a Small Income, by the Sea.

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Comments

  • in_need_of_direction
    in_need_of_direction Posts: 8,216 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    so good to see you back.  that debt will be gone in no time
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.
  • southern_chick
    southern_chick Posts: 559 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    So glad you got your dream home by the sea. Really glad to see you back on here and looking forward to sharing your journey with you xx
    slowly working towards being MF one small over payment at a time :T
  • Skint_yet_Again
    Skint_yet_Again Posts: 9,054 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    Great to see you back DIA your new place sounds lovely so pleased you are settled and your plans for rent a room sound like a good way to get an income. I’m sure you will soon have paid off the debt and rebuild your savings. I’ve subscribed to follow your journey 
    ❤️Mum 2018
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House cash purchase completed FEB 2023 🥳🍾 & left work. 🤗

    Retired at 55 & now living off the equity £10k a year

    ❤️Dad 2025

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • liselle
    liselle Posts: 322 Forumite
    Seventh Anniversary 100 Posts
    Ah fantastic! So pleased it’s all worked out for you.Would a temporary paying guest mean that you’d lose your Single Adult Discount?
    I’m in the South West and just saw an ad.for a furnished bedroom with en-suite, use of garage and garden, for £1000 per month……
  • 24ta
    24ta Posts: 271 Forumite
    Part of the Furniture 100 Posts
    Good to have you back, great news that you have your own front door. You are always good with a plan, that debt will be gone soon enough. Subscribed 
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you love your new home. Lovely to see you back.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • OpalGirl
    OpalGirl Posts: 128 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    Great to see you back. I followed your last diary but didn't post, and I have been wondering how your move went. There is nothing like having your own space - the freedom to do what you want, when you want. I've subscribed and look forward to following your journey in your new home.
  • Cara_
    Cara_ Posts: 185 Forumite
    Third Anniversary 100 Posts
    edited 18 March 2025 at 8:56AM
    I followed your old diary but I did not post.
    I'm really pleased that you are bcak in a home of your own. Good luck with paying off your debt and then starting to save.
    I'll be following your diary.
  • Humdinger1
    Humdinger1 Posts: 2,906 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Subscribed and so happy for you @doingitanyway! Happy ever after love Humdinger xx 
  • Chrystal
    Chrystal Posts: 2,032 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    So pleased, and relieved, to see you posting again.  It must feel like a dream come true to have your own place again.  ((((hugs))))
    Thrilled that you got the house and area you wanted, and I'm sure that you will sort things out regarding finances.
    Looking forward to following you on your journey, and wishing you all the luck you wish for.  XXXX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
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