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Prosperous & Creative Soul & MFW Year 3
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Are you planning to get one again @lucielle or is it part of your new lifestyle that you want to reduce your hours and manage without?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 29/7/253 -
I’d love to have someone but for now we’re managing.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 #1244 -
If you can swing it @lucielle I would even if you do a monthly or fortnightly one to start. It's company and getting to know others as well as the help.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 -
I would cry if I did not have a cleaner.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.4 -
Sometimes I cry because I don't have a cleaner.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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Glad the bone scan results were ok. If you have the NHS app you can see results in there, without having to call.
Good news about the compensation."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 -
ROFL - if Dana on YouTube is against "keep" boxes I can only assume she has never moved house! Approaching a move is definitely a time to NOT be putting things where they need to go if the things are those that you need, but don't need right now! That's influencers for you though - full of good ideas, but often not those that work anywhere other than the perfect world they choose to portray!
On the question of components of a removal quote - we had a quote for packing as well but decided against as I felt it would just make things far too busy and frenetic the day before. For me, I decided it would create more stress than it solved.
Great news on the scan results - the reason they traditionally won't give all-clear results over the phone is that then when folk get told to make an appointment they already know it's bad news, and so that can cause more issues. It's one of those "damned if you do, damned if you don't" things for healthcare providers! jwil that's interesting about the app though - allowing that they still then can't tackle the risk of someone getting significantly bad news while they are on their own/already in a low place mentally 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/her4 -
Thanks Beanie, GAP and Jwil
It's an unwelcome reminder I need to find a new cleaner!! I honestly don't know how long I've had my current one but it's been at least 5 years maybe even 10.
I think I restricted what data the practice could share so I doubt it would show in the app - and the other issue is I can never remember my password and my phone for some reason hates the app and the reset emails never arrive!! I may need to reconsider my stance... although fear of hacking was why I didn't allow it originally and I think that's still very valid.
Today has been full on. The solicitor suddenly got lots of responses so it could be all systems go as soon as I return my signed forms which is welcome and scary. Cue early finish and a mini shopping trip!! I now have some more RU 3 litre boxes, a couple of couch moving covers, some felt for the feet of my furniture and some food. I've struggled to eat anything at lunch and am now just having prawn cocktail with jacket spud and salad for tea. I spent more than I planned but trying to shrug it off in the grand scheme of things... I considered going to a pub - but decided I wouldn't cope today with the noise... and wasn't feeling that hungry anyway (I don't drink alcohol) so it didn't seem worth it. I'm debating asking my counsellor for an extra appointment next week as I feel a bit rabbit in the headlights. I keep shifting between frantic activity and what feels like nothingness - but others may call rest
I've ordered more boxes and bubble wrap and some pretty colour coded moving labels by room. I'm debating whether to buy a cover for my superking mattress at £18. Is that overkill? I've returned the £130 air purifier - so that should help offset today's spends.
I realised today I'd had insurance quotes for the previous property but haven't organised any for this one yet. I will also need to update my car insurance. I'll aim to get some online quotes today and then contact my current insurer tomorrow.
I picked up my prescription. Organised the blood test for next week. Dropped two bags of stuff at a textile bank. I've put my box of donations in the boot - but think I need to look at the books in the shed first as I'm expecting to donate most of them - either that or send them in the direction of wider family. The easiest place to donate - you have to pay to park - so I want to ensure I don't end up making multiple trips.
DD needs to take her two bikes... I need to get rid of a cot bed - unless I ask the handyman to make a bench from it. I think most of the rest is probably okay to take. AKA I have limited decluttering energy left - and in real terms it will fit at the new place so I don't need to over-stress myself over it if I don't want to. I just need to clear shelving / box it up and then dismantle said shelving / ask others to.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 -
EssexHebridean said:Start to think now about how you will label things too - we used arrows designating whether a box or an item was going upstairs or down, and then a room numbering system for everything aside from kitchen, bathroom & shed. In conjunction with a floorplan with the coding written on, and A4 sheets with the room numbers stuck to doorframes, the team commented how much easier it was for them than having to try to work out what people mean by front room, living room where there are several receptions, and what is one person's master bedroom is someone else's spare room. They were planning to feed it back to the office as a suggestion for others to use as it was so "as a glance easy". having your system worked out early means that once a box is packed you can just label it and forget about it. Oh - and another one on that - write at least a rough outline on the outside of the box of what is contained in it! That's a big timesaver when you're trying to organise unpacking.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 -
KajiKita said:Awesome progress on the garage, shed and mattress. Your BIL sounds like something of a treasure 😊
I find pictures are easy to whip off the walls at the last minute (and there is no risk of tripping over them if they are still on the walls). You just need a good strong box of the right width (height is less critical) and lots of bubble wrap. When you are ready to get them down off the wall you can flow around with bubble wrap roll and scissors, lift them down, cut required length, loosely wrap and drop them one by one into the box 😊
Have you started planning your ‘survival box’ yet? By which I mean:
kettle
tea, coffee, sugar, pint of milk
mugs x number of movers / helpers
loo rolls and hand towels x number of toilets in new house
tea towel
kitchen tissue for spills
bin bags (keeps mess at new house under control from get-go)
2 x plates
2 x bowls
2 x knife, fork, spoon, teaspoon
washing up liquid, gloves and scrubby thing (whatever you use), cloth for wiping down
salt, vinegar and other critical condiments
Spare lightbulbs - bayonet and screw thread x 2 of each type
The survival box means you can function immediately without having to unpack much. This goes in your car along with the box of pictures. The other classic is to put all the bedding into the centre of the bed and then tie the corners of the sheet to the centre - get to where you are going and open it out on your bed, pull everything straight and tuck in and immediately your bed is made, ready to fall into 😊 That’s always been my first priority when actually getting into a new house.I know you know all this btw, just reminding you 😊
KKAchieve 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 29/7/257
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