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Prosperous & Creative Soul & MFW Year 3

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  • Blackcats
    Blackcats Posts: 3,897 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Going back to removers - they definitely get my vote.  My rationale is that on moving day there is often a tension waiting for completion monies to move from solicitors etc.  your professional movers will have your van packed and ready to go by 12 noon and will wait for instructions to drive to new address.  In my experience you will probably have to be making phone calls, cleaning etc etc.  your first time buyers will probably be sitting outside your house super keen to get in.  It is money well spent.

    I'll look at your post on the other board about your survey.

    whatever happens you've had a fabulous 2023 and continued your valued support to many of us on these boards.
  • Definitely movers. Whatever you spend on them you make back in time and stress.
    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
  • Humdinger1
    Humdinger1 Posts: 2,297 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    edited 1 January 2024 at 9:24AM
    Yup, another vote here for movers.  They cost but they help manage the stress; you can't put a price on that in my view.  You are doing brilliantly @savingholmes.  I think the pros of moving outweigh the cons as you want a fresh start, no? It will allow you to make progress on other goals.  Happy New Year to us all! Love Humdinger xx 
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I also think the pros of moving outweigh the cons.

    I've had a look at your survey post, and a lot of that to me (admittedly not an expert!) seems to be get it done in time rather than must be done immediately.  It sounds like the current owners or previous ones have been diy bodgers, but that's not particularly unusual.  I'd want to know the electric and gas is safe.

    You've made so much progress over the last year, and hopefully 2024 will be a good one for 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
  • badmemory
    badmemory Posts: 9,669 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I am a cynic & a lot of the things mentioned seemed like we can't prove it but if we mention it she may think something needs doing.   As for no damp proof course, I thought it was a 1980s build not 1920s but no damp crawling up any of the walls!  A lot of these reports remind me of the EPC? report we had to have done on my mother's house before selling.  Said it had solid floors, when you only had to stamp your foot to prove it wasn't true & they wouldn't change it.  Certainly get gas & electric checks but anything else be very careful who you get to look at it.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I got nearly £9 in interest today. It all helps. Mortgage goes out tomorrow which should be another £665 off the principal. 
    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
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are feeling more reassured about the report now.

    Well done on the continued decluttering and organising.
    "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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