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Prosperous & Creative Soul & MFW Year 3

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  • KajiKita
    KajiKita Posts: 7,767 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 11 December 2023 at 8:27AM
    Definitely forgive past selves about the boiler registration. I suspect at the time you had a lot going on in your life (your children were younger, maybe your relationship was rocky at the time) and you were trying to function without the support of your new meds. Also, I quite often don’t register new appliances (I haven’t done our new WM for 10 years of spare parts - so still have to pay call out and labour - doesn’t seem worth it to me) because of the tsunami of marketing bombardment that results! Perhaps the boiler would have been a more obvious one to do, but I can understand how it would have got missed.

    What I’m not understanding is why you need it? If the new boiler man can confirm it has been installed correctly and it is working correctly / safely, what else do you need? 

    If it’s a guarantee due to the age of the unit, do you have any previous credit card payment records for it?

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Ho hum only took me 16 pages to catch on.  Following with interest as you exciting few months pass by (without drama hopefully, but successfully in any case) 
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks LWAP - the speed of life one - although I started listening to her other book yesterday where she talks about daily pick ups. That's where I currently fall down - and I rely on my weekly cleaner to close the gap. She also talks about a set routine for laundry day and for changing the bedding. Both of those would help me.

    Thanks Lucielle and Jwil - Ended up taking 4 bags of newly decluttered stuff to the textile bank. Plus filled another bag to put in the cart to take when I go. I'll also feel like I've decluttered when I distribute various Christmas presents. They are taking up quite a bit of space currently.
    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
  • beanielou
    beanielou Posts: 95,655 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Wow, all moving at a very fast pace!
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    As a lurker, my observation would be that you seem far more engaged with this property than the previous one. It all seems very positive for you! 
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's all really positive and very exciting.    I wouldn't go shopping now, you've only got to move it, and it would be better to decide what you want once you are in and have your stuff around you.
    "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
  • KajiKita
    KajiKita Posts: 7,767 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 12 December 2023 at 8:59AM
     I spoke to my mortgage company - great news - I'd passed the vetting so don't need to pay the port fee again - so all I 'lost' on the previous transaction was the survey fee of £359. Really happy with that. Debating whether to just push the button and order the survey and the searches tomorrow to hit end of Jan desired deadline. I may in the hope I get this move over with asap.”
    Whoop! 😊👏🎉 That’s really good news. Yes, press the button - all parties seem fairly committed this time and it would be good to confirm to the others that you have taken this action. 

    Re the wool rug - yeh, whatever to the care instructions! They gave all of these things defined, but I find they never need that much fussing over 😉

    If the meds amount is right for you in other ways, maybe set a timer to remind you to move every 30 minutes, even if only to stand up and wiggle a bit? 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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