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The turtle moves.... slowly

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  • South_coast
    South_coast Posts: 5,871 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    astrocytic_kitten said:
    Then several years later you sell the home and suddenly do all the things and have about a week of living in a fully done place wondering why you waited so long? 😂
    That reminds me of the super deep-clean you always do when moving out of a rented place, and then kick yourself for not keeping it like that while you were living there 🤦‍♀️!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • I used to move between rented places so frequently that about 3 years after buying my flat I realised lots of grot had built up because I’d never had to do any deep cleaning outside of move-in and move-out. It just wasn’t on my radar as something to do for reasons other than moving house 😂 
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think we can all relate to the half finished projects and the lack of deep cleaning!!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    If your home is anything like mine, it's a nesting process where you buy the things and have the best intentions and then you hang out with piles of not quite started projects..
    Then several years later you sell the home and suddenly do all the things and have about a week of living in a fully done place wondering why you waited so long? 😂

    ...


    astrocytic_kitten said:
    Then several years later you sell the home and suddenly do all the things and have about a week of living in a fully done place wondering why you waited so long? 😂
    That reminds me of the super deep-clean you always do when moving out of a rented place, and then kick yourself for not keeping it like that while you were living there 🤦‍♀️!

    These are the exact place I am in right now.  My vision for my flat has finally come together but I've only got around to it because I'm selling. I am also planning to pay for a deep clean.  Why was that never good enough for myself?  Next place I'm going to do it for LMG and me because we are worth it.

    Here's to happy times ahead AK.

    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • I used to move between rented places so frequently that about 3 years after buying my flat I realised lots of grot had built up because I’d never had to do any deep cleaning outside of move-in and move-out. It just wasn’t on my radar as something to do for reasons other than moving house 😂 
    I feel this on a deep level! Same with checking cupboards for wildly expired food  :#
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I appreciate all the validation that I’m not alone in this, though obviously this doesn’t apply to me in my new place and I’ll absolutely get the interior design sorted to a high standard now instead of in 20 years when it’s time to sell 🤣
    When you're done with yours, can you start on mine please?
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Mine too please.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • I appreciate all the validation that I’m not alone in this, though obviously this doesn’t apply to me in my new place and I’ll absolutely get the interior design sorted to a high standard now instead of in 20 years when it’s time to sell 🤣
    When you're done with yours, can you start on mine please?
    twinklie said:
    Mine too please.
    I feel pretty confident agreeing to this, knowing that despite my hyperbole the situation will never come to pass 🤣

    I’m making progress on the unpacking etc, though the place is still a mess and I’ve reached the ‘chucking stuff in drawers and planning to properly organise them later’ stage. Had one unplanned spend, on some bookends that I was planning to stock up on gradually to get to the number I need but they’re constantly going out of stock so after noticing they were back in I bought the lot at once. It’s one of those spends that seems really trivial but there’s nothing more annoying than flimsy bookends that don’t hold the books up properly and these are also very low profile and unobtrusive. I’m hoping that this year I can direct more money to that sort of spend that will solve a day to day annoyance and make things a bit easier when the making do solutions aren’t really working, and less on random clothes. 

    In the online sewing communities it’s referred to as making cake (the staples that you need to wear day in day out) rather than frosting (pretty dresses you’ll wear twice a year) and I love that idea.
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • joedenise
    joedenise Posts: 17,680 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    It may have been an unplanned spend but it makes sense to me to get them all at once whilst they are in stock.  It would be awful if you got some now and then later on were unable to get matching ones!  Well that's how I look at it.

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