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Ding! Ding! All change, please... (now replaced with new diary on MFW)
Comments
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I am so excited about this move.....despite it not involving me in any capacity whatsoever!
Good luck for the big day from me and Soot & Ash send helpful meows (although they might just be telling me that it's their treat time!)
You have planned, prepared & packed. Time to do it.
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)5 -
You are all lovely - and yes Cheery, I fully expect it to feel a bit emotional when we lock the doors on the flat for the final time tomorrow!
In the interests of providing "service provider balance" I called Sky at lunchtime - first chance I've had since Tuesday. Started out feeling a bit grumpy as really I wanted a way of dealing with it online which they don't offer. Got even grumpier when they told me I might have a 40 minute wait to speak with anyone...then after about 20 minutes got through to a lovely chap who was most helpful, and VERY efficient. Upshot is a free upgrade to SkyQ (we are still on the old Sky+ system at the moment), a free "home move visit" which is the engineer call out with all the gubbins and to install, and they've booked us in for this to happen on Sunday which is quite astonishingly fast! All in all far exceeding everything I would have expected and they've certainly cemented us staying as a customer for a while longer!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her8 -
You are nearly over the finishing line EH . Sending happy moving day vibes for tomorrow . See you at your new home , well virtually .Life is an adventure, never stop exploring.5
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Sounds like Sky have upped their game all of a sudden for you. That's good news at least. I always think the most difficult things about moving are the internet/TV/Gas & Electric etc. The actual move is normally ok. Not that we've moved for 16 years, but hoping to in about 3 or 4 years with any luck.
I'm sure it will all go ok for you, so see you on the other side as they say. xMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £600/£3000
.
Studies/surveys September £18.30
Decluttering items 1198/2025
Books read 17
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up5 -
Great news about Sky, well done for getting that sorted.
Don't think of it as someone else making money from the fridge freezer, think of it as you helping a stranger with their bills while you get to put the cost of having it otherwise collected in your new MFW fund!
As @foxgloves says, I am ridiculously excited for you despite it having absolutely nothing to do with me 😂
It *will* be stressful tomorrow because that is a necessary element of achieving this brilliant thing. All the important things like money and paperwork and you and Mr EH working as a team are in place. *If* unexpected problems crop up, you are more than capable of managing them xhttps://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase
Books read 2025: 49
Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r68 -
Hope all goes well tomorrow!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5
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Another one here living vicariously through your move EH! I hope all goes smoothly tomorrow and by this time you're tucking into fish and chips and a cuppa. You are super organised so I'm sure you can handle anything that the day throws at you.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway4 -
Sending lots of good wishes for tomorrow and wishing you lots of happiness in your new home x4
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Best wishes for tomorrow. You're working miracles. We have always been those annoying people still packing after the money has been sent!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/254 -
Best wishes for moving day tomorrow. Happy new home
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