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  • FIRST POST
    • smallholdingsister
    • By smallholdingsister 10th Aug 15, 11:39 AM
    • 3,591Posts
    • 30,127Thanks
    smallholdingsister
    smallholdingsister's strivings
    • #1
    • 10th Aug 15, 11:39 AM
    smallholdingsister's strivings 10th Aug 15 at 11:39 AM
    Righto, so as Ed says later (ooh I can time travel!) One can't rebrand oneself on MSE. However...
    I do feel - and partly because of the experiences of another MFW who was getting somewhat robust criticism for not being hard core enough - that, well, I'm not nearly hardcore enough.
    So here I am. 43. Mortgage due to expire when I'm 55.
    I am going to try for getting rid of it by 50. Including a move to a smallholding as that's what I am aiming for (no s h i t!).
    I am planning a LOT of storecupboard challenges and a LOT of fiscal fasts.
    Here goes!
    Last edited by smallholdingsister; 10-08-2015 at 6:00 PM.
Page 132
    • smallholdingsister
    • By smallholdingsister 17th Apr 17, 7:32 AM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    Having to wait until tomorrow is killing me!
    • CathT
    • By CathT 17th Apr 17, 8:51 AM
    • 5,543 Posts
    • 38,648 Thanks
    CathT
    I bet! Keep busy today. Have you got your eye on any properties or have you stayed away from looking?
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • smallholdingsister
    • By smallholdingsister 17th Apr 17, 9:53 AM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    We have got eyes on a few, one in particular. Don't want to get too excited though.
    • Watty1
    • By Watty1 17th Apr 17, 10:57 PM
    • 2,989 Posts
    • 21,286 Thanks
    Watty1
    hoping for news tomorrow from agent
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • FloppyDisk
    • By FloppyDisk 18th Apr 17, 7:12 AM
    • 629 Posts
    • 4,223 Thanks
    FloppyDisk
    Fingers crossed!!

    Mortgage- £417,249
    BTL- £162,915

    • smallholdingsister
    • By smallholdingsister 18th Apr 17, 7:22 PM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    We have an unacceptably low offer.
    • earthgirl
    • By earthgirl 18th Apr 17, 7:37 PM
    • 1,992 Posts
    • 22,351 Thanks
    earthgirl
    Oh no. Any chance of them upping it?
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687 Mar 18 -£8524
    Kids savings 13,578/36k
    • apple muncher
    • By apple muncher 18th Apr 17, 8:55 PM
    • 7,277 Posts
    • 54,781 Thanks
    apple muncher
    Bah, humbug!
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Watty1
    • By Watty1 18th Apr 17, 10:10 PM
    • 2,989 Posts
    • 21,286 Thanks
    Watty1
    oh no! Was hoping for better.
    Mortgage at start of diary Sept 2013: £132,995 Aug 2015 £0
    Overpaid next mortgage. £79,491 down to £27152
    Changing focus for now
    • AlexLK
    • By AlexLK 18th Apr 17, 11:08 PM
    • 6,066 Posts
    • 32,095 Thanks
    AlexLK
    You need to see how much higher they are really prepared to go.
    2018 totals:
    Savings £7,600
    Mortgage Overpayments £1,750
    • newgirly
    • By newgirly 19th Apr 17, 6:40 AM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    Sorry it's not better news shs
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • greent
    • By greent 19th Apr 17, 8:00 AM
    • 7,009 Posts
    • 71,557 Thanks
    greent
    But no one expects their first offer to be accepted, so surely they'll up it...? xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • smallholdingsister
    • By smallholdingsister 19th Apr 17, 8:17 AM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    I should've thought so.
    • FloppyDisk
    • By FloppyDisk 19th Apr 17, 10:30 AM
    • 629 Posts
    • 4,223 Thanks
    FloppyDisk
    We have an unacceptably low offer.
    Originally posted by smallholdingsister
    I have never offered on a house and actually expected to pay that. They will know you have been on the market for a long while and will of course be cheeky, no doubt your asking was higher than your bottom line too, can you start to work towards that? This still could be the start of something exciting!

    Mortgage- £417,249
    BTL- £162,915

    • smallholdingsister
    • By smallholdingsister 19th Apr 17, 6:10 PM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    We are in possession of an offer 40k higher than the last one. Hoping we can put a chain together.
    • CathT
    • By CathT 19th Apr 17, 6:37 PM
    • 5,543 Posts
    • 38,648 Thanks
    CathT
    I was ready to post that the first offer is a start and hopefully you'll get a second offer! Great news, are you going to accept?
    May 2018 -
    part 1 - £77,906
    part 2 - £45,391
    Total - £123,297
    • newgirly
    • By newgirly 19th Apr 17, 6:57 PM
    • 6,270 Posts
    • 43,316 Thanks
    newgirly
    £40k higher I can't believe people would offer that much under to start with!

    Great news shs
    MFW 21
    Target for 2018 £40k/£11,092 paid so far

    Mortgage £38,275 4yrs 1mth left. Total owed £50,898 plan to clear in 14 months
    • FloppyDisk
    • By FloppyDisk 19th Apr 17, 7:02 PM
    • 629 Posts
    • 4,223 Thanks
    FloppyDisk
    Always worth a punt! Sounds like they are serious to up it so quickly, wooo!!

    Mortgage- £417,249
    BTL- £162,915

    • EatingTheElephant
    • By EatingTheElephant 19th Apr 17, 7:49 PM
    • 1,289 Posts
    • 7,060 Thanks
    EatingTheElephant
    That sounds a bit more like it! Fantastic. Are you off to start viewing now?
    • smallholdingsister
    • By smallholdingsister 19th Apr 17, 7:58 PM
    • 3,591 Posts
    • 30,127 Thanks
    smallholdingsister
    In Easter we viewed and found but obv couldn't offer or emotionally commit.

    Tomorrow I'll see if we can put a deal together. Golly Gosh!
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