Five Year Fix, Five Year Plan

savingholmes

If the 35 hour week actually would be 35 and you can put your coat on and leave and get the time back - I think that's 10 hours of your life back. I like that option.

Merlin's_Beard

Merlin's_Beard said:

Plan for August:

• Organise removal firm

Done! Moving date sorted and paid for.

Organise an aerial - literally couldn't believe that newbuilds don't come with them, but I guess a lot of people just stream everything. I literally have no idea what this might cost because it's totally outside my experience.

Organised this as well! Not paid for yet, but got my quote and money set aside for it.

Give notice on my current house (I am definitely checking they are not changing things up again before I do this)

Done! Literally one couple have been to see the place, and it's let already. Thank goodness the rental market wasn't this mad when I moved into this place as Miss Cat Beast is normally a sticking point at the best of times.

Pack

I've started this? Does that count? Still a few weeks until actual moving day.

Complete 

End of the week! Money has gone to the solicitors, bank has sent a text saying they're releasing funds day before and it's all settled on their end. Nothing more to be done here.

Get floors installed

Paid everything I need to, they're starting next week. Just need to chase up what time if I haven't heard anything!

Sort out blinds - I'm literally sat next to a bunch of samples. I need to pick which ones I want, go back into the house, do some careful measuring and order them so they're ready to go when the house is. But I've been in a massive slump for the last couple of weeks so I'm just ignoring them.

Ordered, just waiting for them to arrive. There are lots of rooms that aren't sorted yet, but I've done the ones I think I need. It was more expensive than I thought it would be though (basically a summary of this whole process)

Merlin's_Beard

Also started wading through the address changes - council tax, post redirection, internet...

Discovering all the lovely things that you don't think about because they normally come with the house, as well - bins for one! They've already arrived. House number is today's investigation (who on earth would have thought of that as a Thing?)

killerpeaty

Everything about my flat was a lot more expensive than I thought as well!

It's so close now! I'm excited for you.

Dandytf

Small step towards 5 year term, recently raised SO to 385?
Still +100  from 5 year numbers.
Hopefully I'll Manage to make required numbers from 2023.

thanks
--Edited to 385-- need to re check SO.

savingholmes

Best of luck with the move.... So glad it's getting closer.

Merlin's_Beard

COMPLETION!!

I'm saying it in caps lock, it's been a bit of an anticlimax/farce.

I got the call from the developers around 10.30 - all good so far. Arranged parents to go pick up the keys.

Solicitors then called about 20 minutes later - they can't exchange, because they haven't got all my money. Very interesting given I already had as far as everyone else was concerned. Reminded them that they had confirmed they'd received my money on Tuesday. Solicitor disappears off to confirm that they can't find their own a**e with two hands and a map.

Email about an hour later, oh actually we do have your money, completion has happened (welcome to the same page as the rest of us...!)

So at the minute, parents have the keys. I've just got home and am sitting down with my first meal of the day at 8.30pm so there's no way I'm picking them up tonight. Also working tomorrow so will maybe see the house tomorrow afternoon.

Bank also not showing my mortgage on my online account yet.

So my celebrations at the minute are limited to putting my mortgage into YNAB as a tracking account - I have literally never felt more MSE!

savingholmes

LOL - what a celebration - YNAB.

Still roll on mortgage freedom. At least you are starting with equity - 2001 we got a house with a 100% mortgage!! 

killerpeaty

Congratulations! I'm so pleased, I hope you enjoy your new home!

I do think it takes a little while for mortgages to show up online. No idea why!

Merlin's_Beard

I have keys! Feels a bit more real now. Still only a whistle stop tour - I wanted to look around after work and I still had to sign the handover form before the developers close so very much in and out.

Tomorrow a rest day where I sort the boring bits of life out (shopping, laundry), then the survey on Monday.

@savingholmes - those 100% mortgages just seem like a crazy idea now, but they really worked for the people they worked for. I think a few people at uni (around the same time as yours) got mortgages on their student houses that way, and have been on the property ladder ever since. But for the people it didn't work for....

@killerpeaty thank you!