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Prosperous & Creative Soul & MFW Year 3
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When dealing with the furniture - I think you can play hard ball.
You have to think whether someone selling their house will be bothered to either move excess or try and sell it. So just say you you will take it to save them the bother but you are not paying more than 25% (or less or nothing if you dare but don't insult them or they will deny you just for pique). The most they will get selling on ebay is 50% so you are not costing them a lot in the scheme of things, but you are ticking off stuff - who knows, if you take enough of the big stuff they may be able to downgrade their removal packageI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
I agree do not offer too much it is hassle moving stuff out and costly. Our sellers left loads of stuff we did not want which was ok part from the beds were knackered and you could not even sleep in them so we had to move them out ourselves.
Great news you are not having to pay twice for the solicitor and mortgage fees. Sounds like things are moving at pace now.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest3 -
The rug sounds fab.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.3 -
Well things have moved on here a bit in the last few days - congrats SH - and glad to see how excited you sound about this house, for me, that was what was missing with the other one, it felt more like a business transaction in some ways.
Sounds like your buyers are in a similar position to the one we were in, moving from somewhere smaller so being short of furniture. We were really grateful for the bits our sellers agreed to leave - certainly the suite that was in the front room was a life-saver as otherwise we'd have been really short on seating for a while. Also that they left the dishwasher and the FF for us were absolute wins - we paid them £50 for the DW and £150 I think it was for the FF, and both are in great condition. They also left us two big wardrobes and a big chest of drawers in the dressing room which we've been able to make such god use of - and they were a perfect fit for the space too. It was the right balance - enough to save us a lot of outlay, but not so much that it still felt like someone elses house!
On the rug - maybe balance up whether you love it enough that it will outweigh any worries it might cause you about it getting spills etc.🎉 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
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
I bought from moving out neighbours a w/machine for £50 and a 3 month oven for £90 which have now lasted me 4years and still going strong
All sounds promising on your move.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#latest4 -
beanielou said:Wow, all moving at a very fast pace!CCW007 said: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 said: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.
I'm leaning towards gifting either family or my buyers more of my stuff - as well as trying to sell what I can between now and the move. My art stuff is non-negotiable - but even that there could be some unused items I could return to free up space.
I was wide awake at 4.30am so got up for three hours, emptied some of my wardrobe and chest of drawers into 3 cubes, and decluttered 4 bags of stuff between mine and DS's room. I then tried to doze for a couple of hours. Had a shower and got to work extremely late having also paid for the survey, asked for the searches to be done etc.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 -
KajiKita said:“ 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
Good advice too re the carpet instructions. I tend to be quite literal - so the length of instructions took me back a bit.
The timer thing is a good idea. I used to do during lockdown - perhaps need to reinstate something similar.
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 -
mark55man said:You have to think whether someone selling their house will be bothered to either move excess or try and sell it. So just say you you will take it to save them the bother but you are not paying more than 25% (or less or nothing if you dare but don't insult them or they will deny you just for pique). The most they will get selling on ebay is 50% so you are not costing them a lot in the scheme of things, but you are ticking off stuff - who knows, if you take enough of the big stuff they may be able to downgrade their removal packageTallGirl said:I agree do not offer too much it is hassle moving stuff out and costly. Our sellers left loads of stuff we did not want which was ok part from the beds were knackered and you could not even sleep in them so we had to move them out ourselves.
Great news you are not having to pay twice for the solicitor and mortgage fees. Sounds like things are moving at pace now.
Thanks Beanie the rug is to my taste although I didn't feel it so don't know how soft it is. It's a JL one and there isn't a JL near enough for me to bother to test it out. It sounds like the price they listed is very close to the purchase price though so may be cheaper in the January sales.
EssexHebridean said:Well things have moved on here a bit in the last few days - congrats SH - and glad to see how excited you sound about this house, for me, that was what was missing with the other one, it felt more like a business transaction in some ways.
Sounds like your buyers are in a similar position to the one we were in, moving from somewhere smaller so being short of furniture. We were really grateful for the bits our sellers agreed to leave - It was the right balance - enough to save us a lot of outlay, but not so much that it still felt like someone elses house!
On the rug - maybe balance up whether you love it enough that it will outweigh any worries it might cause you about it getting spills etc.
I think I'll ring the handyman tomorrow and ask him to quote for removals and help on the day and ask how he'd do it. I definitely need help getting furniture to their rooms but I think I also need to take a more practical view of what is here and whether it is worth the cost of moving and what's the minimum size removal vehicle I need. I think if he was planning to use his van it isn't up to the job - but if he could hire a better van that could work out.
Currently waiting for someone to turn up to collect a tree I theoretically sold on FBMP. To be fair he gave an 'after' time rather than a specific one but how long 'after' is reasonable? If he doesn't come tonight I'll send it to charity hopefully tomorrow.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 -
A nice JL rug would probably sell quite easily if you decided it wasn't right for you once you've moved in rather than regretting not buying it and then thinking you've missed out on the perfect rug.
good burst of decluttering -well done5 -
Well done on the decluttering. Hope the tree buyer arrived ok."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 McGee4
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