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Prosperous soul in the making

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  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    £63 paid off cc yesterday. DH feeling unwell today - earache and stuff so doesn't do sound like c19. The workmen are still here and DH has gone to bed so feel stuck for now. DD went to school and DS went to city. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • Get well soon Mr SH
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    They are impact worktops and draw people in to focus on them, sound great.
    Having the EA out will give you numbers to play with, then you can assess what to do from there. Definitely go with your own photographer, having seen a lot of properties online it's hard to believe some people take those pictures for a living!
    The storage idea sounds like it would be a good move. Maybe look into longer-term prices, takes the pressure off going in to sort things out too.

    Good luck, it's all moving in the right direction.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Hi sh, sounds like a lot of decisions to be made but definitely take your time and get as many valuations from EA as possible. Getting friends to take the photos sounds like a good idea, seen some photos online and they are terrible plus also can't believe people don't tidy up before having them taken when trying to sell their property!

    Glad dh is feeling better, have a lovely weekend. H x
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks MF and HM.
    • I now have an agreement in principle to borrow upto a scary amount of £.
    • Ik3@ have confirmed they are doing my refund onto my original card but not told me the value - so will have to wait to find out. I have about £70 of stuff I still intend to take back on top. 
    • Hopefully DD will finally dye my hair today - then need to do more to get the house ready to be valued.
    • I still have some paint to touch up in the kitchen but will wait until tomorrow for that. I need to find proper decorators ideally as it is too big a job to paint the house but can really add value. I've asked two people to quote so far. 
    • I've ordered some packing boxes online to make it easier to start packing. Need to see what other boxes we have in the house we could use. The boxes parcels are sent in aren't usually strong enough.
    • I got a quote for storage but it was a lot - so think will continue with challenging myself on what I want to keep for now and consider again - closer to the date we actually put the house on the market. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Now you know what's a possibility and can see how far that will get you.
    Can your sold neighbours recommend any decorators or did they DIY that side? 
    Keep an eye on local selling sites / g-tree etc as people often sell / give away their boxes after moving.
    Was the storage self-store as that's normally quite reasonably priced. Do have another look online and perhaps expand your area a bit.

    Hopefully your refund won't be too long.

    Enjoy the hair pamper by DD!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 10,131 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Well done on being so organised. 
    I also had a quote for storage and found it very expensive.
    May I ask what boxes you decided on?
    Hope you are having a good weekend.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • WelshKitty85
    WelshKitty85 Posts: 1,439 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Wow you've been busy! The kitchen sounds great. Well done!
  • Blackcats
    Blackcats Posts: 3,941 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Exciting times!  Try freecycle for boxes, I often see them on my local group.   I love moving house and it's great motivation for decluttering.  Your kitchen sounds great, what's not too like about sparkly worktops 🤣
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