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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 x
  • 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 2025
  • 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.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    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
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • lucielle
    lucielle Posts: 11,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you’ve been hard at it. 
    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
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 McGee
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