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Prosperous & Creative Soul & MFW Year 3
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All sounding very positive, hoping it all goes smoothly for you and you're happily settled in your new home soon x3
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Catching up on the last week and a lot has changed - you definitely sound happier once you made the decision to let the first house go, and you sound very positive about the new house. Also positive that your buyers seem to be very invested in your current place.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 20254 -
Congratulations! Your new house sounds nice.
I don't think regs are required if it's glass being replaced, only window frames as they're part of the structure; frames have built-in lintels or external for keeping the bricks up, unless the bricks have been put up a certain way. Double check as no point asking for an indemnity if it's not required.
How old is this property as the newer elec wiring lasts for years.
With pricing up items, think previously loved costs and a bit less for the convenience of not taking it with you. You could even do a nominal bundle price of things you didn't want to take, and prev loved for the others. Anything you want to take tell them it's not for sale.Mortgage started 2020, aiming to clear 31/12/2029.4 -
It's all sounding so positive. You sound very happy.
Our dishwasher was on its last legs when we were moving from the flat. I left it for the new woman free of charge, explaining that it could go at any time. I do still think it had a bit of life left so I'm hoping that she has had some use out of it. I found the receipt when I was clearing out a box (same box with the £30 in it!) and it was 14 years old when we moved. I must have bought it when we first moved in.Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Thanks TG, MF, Dancing, Merlin and GAP
I was really worried my buyers would get angry over the other property not being a goer but they were really sweet.
Reading online I really do have to find the boiler certificate or pay some kind of indemnity which is a bit of a blow. I tried typing in my serial number online and it says the guarantee wasn't registered so I need to try and ring them tomorrow. Apparently the boiler guy should have done the building regs part - so I've contacted him about it - there is an online site where I should be able to download certificate if he did his part correctly but unfortunately that's down for maintenance today - so another thing I can probably only chase tomorrow.
The property is from the 1970s we think - but they sound like they turned it into a shell and redid everything.
MF - on the taking things with me front - I think other than my bed and the tempered glass tops of 2 desks, art work, journals, clothes - there's very little else that I'm desperate to take with me. I'd still be tempted to take the kallax units just because all the cube storage is already built in with those. Possibly my recliner chair - but I've damaged it a bit so not sure. I'd take if I was moving everything else but a point for consideration. Definitely need to weigh up the cost of removals versus re-buying or even getting / buying the seller's furniture. I'm planning to write a list of things I'd be interested in and see what they say in terms of whether they are happy for me to just have them or if they want something for them. I can then decide what to offer to sell to my buyers.
Over the Christmas period - I need to work out how much space taking the essentials would use up and then whether it is really worth spending money taking the rest. If I didn't spend the money on removals - I could afford to replace some of it with nicer stuff. They also have really pretty high gloss wardrobes in two rooms - unfortunately I didn't open the doors - may ask for a photo to see how much is hanging space versus shelving. TBH I prefer shelving. If I needed less space I could ask the handyman whether if I hire a decent van for him could he and a mate do it. I'm reluctant to spend more than I need and he is very flexible about what he'll do. Ideally I'd want him to immediately change the front and back door locks for me as an example. I could even see if DS would be allowed to drive one - but I'd still need to pay other helpers. Although DD and her partner may help.
I've taken a photo of the old Xmas tree and I'm going to list it on FBMP for say a tenner and see if it goes. Tomorrow I want to try and be organised and take some stuff to a charity shop first thing and get it out my house. There are 2 bags of stuff in my car already and plenty more I could take.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 29/7/255 -
I've spent a lot of today searching for the boiler stuff - and therefore on the way decluttered and shredded at least a box worth of paperwork I found from 2009-2022. It wasn't there. The shredder keeps overheating so taking a break. Then likely to have the equivalent of another box to shred. Need to see if there is other paperwork in the garage and go through that too.
I also plan to declutter bedding, towels and curtains. I'm starting to see that it could be a positive to buy new rather than holding on to things (like what feels like every towel I've ever owned - although I know I have previously halved or more what I retained).
Getting tidy for the buyers has majorly reduced my mental load. I hadn't appreciated how overwhelmed I was by the deterioration in the state of the house with the cleaner not having comes as much - and my general messiness. Now it looks nice again I am more motivated to keep it like this.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 29/7/256 -
I slept better last night which I think was a combination of eating enough - and making the house warmer - and complete exhaustion.
I bought Dana's other book yesterday to help motivate me. I've filled 2 charity bags with bedding and towels and am washing some others so that some of them can go too. I've continued the shredding. The unit keeps overheating. It's bin day tomorrow - recycling and garden - so need to get them out - and make sure they are as full as possible to support continued decluttering.
Good news I found the guarantee form with the serial sticker on it. Bad news it's blank so unless I/we did it online it never got done. Boiler guy says should be able to get me a certificate reprint and stuff tomorrow so hopefully that will help. Will see how he gets on. Trying to forgive past selves...
I've listed the tree on FB for a tenner - but if I don't get any interest by the time I make the trip to the charity shop I may just take it there.
I'm going to keep looking around for any other items that I could sell / donate to maintain the momentum. About to have Mr A veg soup while I continue waiting for the shredder to allow more shredding. The cleaner will get a pleasant surprise when she next comes.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 29/7/254 -
Things move fast on your thread!
You sound much happier and focused in this new house. The kitchen, utility and wet room sound like a dream and saving £35k on costs plus not having to put a new kitchen in is great.
The money plan sounds great too £35k is a big difference to start throwing at your FIRE plans.
Which Dana book is your fav? My Minimalism game is definitely helping my flat seem a lot less cluttered - I agree new stuff can be much easier than old and can hold too many memories especially if you have a new modern house.
Good work on all the shredding paperwork.. The less to take the better.
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest5 -
Sounds like you’ve been hard at it.LTotal 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 #1243 -
I'm with you on the overwhelm at the mess. I've got the focus of tidying for the boiler, and it's a real incentive to making some progress, and feels much better once things are done!"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 McGee2
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