On our way to a mortgage-free day...

Chocforever

Hi DFSD

I'm reading but not posting much these days because I'm not doing much MSE stuff. I'm pleased you are keeping up the momentum with raising cash and obviously love the new house.

I have had an offered accepted on a house BUT the vendors have nowhere to go and are looking for something quite specific so I could be in for a wait. Since I can't get out of my lease until November, I'm not in a hurry. I am a bit worried that they might go back on my offer because they wanted more money (and I can't pay anymore). It is at the absolute top end of my budget (a.k.a. I will be poor for a while and definitely going back to MSE ways). But I do like the house very much and can see it being my long term home. Exciting and expensive stuff.

debtfreesomeday

Hi Chocs

Exciting times indeed! I guess at least if the property owners are aware of how much money they have to play with, then it may make their search for the 'perfect house' a little more realistic - and as you both are in no rush, maybe you could keep your eye out for any other properties that may spring up and be suitable. At least it's a big step in the right direction though.

Wishing you all the luck in the world for the perfect house!

debtfreesomeday

Another £35 received yesterday from selling some unwanted bits. Hubby is going to put the cash into the bank account today.

I've made another £5 sale this morning, so should be receiving another £13.50 this week. I now no longer need to do a car boot sale too! I'm so glad!

We also received a £30 sainsburys gift card yesterday as an incentive offer was running when we took out house insurance on our old property. We should receive another one realting to the new house insurance in a month or so. We need a few bits of shopping, so have given that to hubby to pick up bits for free from Sainsburys today.

I've photographed most of the ebay items, will probably wait until the weekend to list them now. I don't have a huge amount, but it will be nice to clear the box that's been sitting in the spare room for a while and to get a little money back in return.

DFSD

Chocforever

The stress of a car boot sale is avoided - result

debtfreesomeday

Yup, glad I ducked out of that one!

I actually listed all but one of my eBay items yesterday morning and four BIN's sold within hours, making £33.50, so probably around £25 profit after postage and fees. :T
There's 5 items left, most with watchers , some with bids, and I need to take better pictures of one more item before listing it.

I waited in for some flat pack furniture to arrive yesterday; I had spent weeks scouring the web for the best deal on the most suitable piece of furniture I could find. I didn't particularly like it, but it was the best budget-friendly option. I even scoured the local furniture charity shops to see if there was anything ok or that i could do up, but to no avail. When the boxes arrived yesterday, my heart sank to see the items were in about 200 pieces! I persevered and started to put one together but the quality was awful. So, it is all being returned and I'm still without anywhere to put clothes! We decided to go ahead and buy some solid drawers that will last, from the clearance furniture shop we found the other unit in and get the house workable for us. We shall use some more of the savings, but at least then we have the house as we need it and we don't need to pay out any more. Then our surplus cash can go in the savings rather than faffing around replacing rubbish flatpack stuff every year!

debtfreesomeday

Another £8 collected from a sale this morning, should receive £10 tonight and clear quite a large space in the garage.
These little bits of money I've been making have just been 'absorbed' by the bank account or my purse, but I'm thinking I should really put in a pot straight towards the savings. I think I might start doing that from now on (now that I've almost cleared everything I wanted to sell!).

debtfreesomeday

I haven't posted for a while now and won't be doing so for a while now until we are in a position to tackle our mortgage head on.
There are too many 'pots' we need to build up at the moment and the lack of focus on the mortgage just makes me feel like we're not doing so well. Once we have saved for a car and managed to build up a level of savings which I am happy will tide us over in any emergencies, I will be back.

Thank you to everyone for your support and encouragement so far, hopefully I'll catch up with some of you in the near future.

DFSD
X

Chocforever

I hope life is treating you well. Yes, there is only so much money to go around and it sounds like you need to prioritise things other than the mortgage.

Still no progress on my house move and there's not much coming on the market now so I think it may be autumn before I see any progress further up the chain. Assuming it all goes through, I can see myself being in a similar situation to you because much as there will be pressure to reduce the mortgage, in the short term, I will need to build up some savings as a buffer and pay for furniture and general house stuff.

Have a great summer and pop back to let us know how you are getting on

debtfreesomeday

New, more achievable, diary for now...

https://forums.moneysavingexpert.com/discussion/comment/62741863#Comment_62741863