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Onwards and the debt goes downwards!

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  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds busy busy busy. 

    The time away will be great
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • EssexHebridean
    EssexHebridean Posts: 24,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh wow - what fantastic news - and on all counts too! I'm so pleased for you - have a wonderful time away too! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • lucielle
    lucielle Posts: 11,522 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just had it confirmed we complete on 19 August!!!  So the plan at the moment is to move in slowly and not one mad panic.  I think OH is wanting to do the mad panic.  First thing will be to take the settees, I'm not sure if they'll fit (the living room is tiny) hopefully they will.  Then I can organise the chap to come and wash the carpets and settees.  Once that's done we can move.  My friend is looking after our belongings and the building its all in has been made pigeon proof but sadly not small bird proof so a lot of stuff is going to need cleaning before it gets over the threshold!!!!  I'm thinking I might get all the duvets (they're in bags) this weekend and drop them off at the dry cleaners, then they'll be back in time.

    I had wanted to buy a sleigh bed (and take it up north when the time comes) and had my eye on one in Barker and Stonehouse, however I don't think it'll fit up north.  Slightly gutted about that!  I need to ask the housekeeper to double check the measurements before I resign myself to a different one.

    I might need to get a plumber and electrician in.  The kitchen is also on the small side and if I put the dishwasher (essential) in there's no room for the washing machine.  That means that and the drier will have to go in the garage.  Not a problem for the drier but not sure of the water situation for the washer.

    Also there is some irony to purchasing the house, we sell garden machinery as our business.  The house has got astro turf!!!!  Not sure how the dogs (and me) are going to cope with that!
    L
    Total 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 #124
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Astro turf can be easily replaced. You could potentially sell it too!

    Glad you are going to have a space of your own again. Good luck with organising everything. So glad you have a break to look forward to as well.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • lucielle
    lucielle Posts: 11,522 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fingers crossed this time next month we'll complete!!!!  Organised the carpet/settee cleaning chap to come on the Monday after completion.  I'm hoping the settees will fit as still not sure.

    Also hoping that badders will be cancelled and we can just go to the pub!
    L
    Total 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 #124
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you get a break 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • peb
    peb Posts: 1,969 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    So pleased you are exchanged and have certainty.  You deserve your own home so much 
  • lucielle
    lucielle Posts: 11,522 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Had our 3 day adventure to Ibiza, what a lovely place and will certainly go back again for a longer times.  Did manage to go the hippy market on the Saturday which we both loved.  It all feels so long ago!

    I've also booked a hot tub for the August bank holiday weekend with the proviso it might not happen if things go wrong.  I'm keeping everything crossed.

    DD1 and BF have completed the west highland way and were home at 1 this morning.  All is fairly quiet in L land.
    L
    Total 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 #124
  • beanielou
    beanielou Posts: 95,765 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you had a good time  :)
    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.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a good time away. Roll on the new house...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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