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Prosperous & Creative Soul & MFW Year 3

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  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's amazing how much just a small amount of activity makes to warmth levels SH - I can be comfortable at home several degrees cooler than I am at work because at home I tend to be up and down doing odds and ends as I think of them, whereas at work I'm often stuck behind a desk. 

    Glad that your Boss was understanding about you finishing early - and definitely don't underestimate how stressful moving is, they don't describe it as one of the most stressful things you can do in life for fun! 
    🎉 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 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
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  • savingholmes
    savingholmes Posts: 28,971 Forumite
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    Thanks EH - my brain is still stop starting...

    Thrown out some OOD food. Easy decluttering decision. Emptied the remains of a sack of cat food into the existing food holder and an extra plastic jar.

    I need to contact my ADHD meds provider and make sure they send me a new batch of meds before I move... I need to do that tonight but in the morning I'll need to give them BP measurement, weight etc. 

    All parties have agreed to work to the 30th so game on. Exchange likely to be end of this week or early next. My cleaner was surprised how long everything took to do - but may be able to come back the odd time and spend a couple of hours here and there to help me pack.

    Boxes that should have been delivered yesterday got delivered to the wrong location and the order cancelled so that was irritating and I had to reorder. They are now due tomorrow. I've also ordered some more of the special paper for use with packing paintings. I have a lot!!  My cleaner bubble wrapped quite a few pictures and mirrors today. Loads left to do though. I have 10 paintings just in my lounge plus a glass art bottle that needs special wrapping... 

    I put a washing load on earlier - need to transfer that to the drier. I may empty the remains of the utility cupboard contents into a box other than washing powder and colour catcher sheets. Tiny bits of progress all help. I could also box up some kitchen appliances like the toaster, food processor and a coffee maker. I'm nearly out of boxes so limited on how much more I can do until they arrive.

    Struggling to eat today. Keep leaving things part eaten as I lose interest - which pretty much never happens to me!
    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
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    Well done on the weight loss.  Hope you get the meds and health stuff sorted.

    I hope you get the help from the cleaner and the handyman comes back to 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
  • 12 days seems a lot before you move and you do seem far more organised than I ever am :) 

    I find the worse things are what I think I need right up to the end then it’s chaos! 

    If you can keep a free extra day  for after your move I find that best just so you have a clear window to kick start the unpacking 
    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#latest
  • TallGirl
    TallGirl Posts: 6,223 Forumite
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    Good luck with the packing I get you do not want to live in a mess and they do say it is best not to pack until you have exchanged but sounds like all is on track which must be so exciting. Can you approach any GP's now before you move so see if they will take it over or does it have to wait. Just thinking it is one less job to afterwards? Hope you get one sounds like the meds are really working so but I know what the NHS is like. 
    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#latest

  • enthusiasticsaver
    enthusiasticsaver Posts: 16,062 Ambassador
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    Just caught up on the events of the last few months SH and good that your move  is going ok.  I think it must be tough doing it on your own and that will cause stress but you seem to be coping admirably.  

    My SIL has just started taking ADHD medication and while helping him in some respects it has taken a bit of fine tuning to  get it right and the supply system  seems strange as he was diagnosed outside the NHS. Hopefully you will get it sorted but it is just one more thing which takes mental energy to think about.  I am sure once you are in your new house things will be a lot easier.

    Your cleaner sounds brill.  When DH had his open heart surgery we looked for a cleaner round here as he was upset I was having to do everything but just could not find anyone who had space on their list.  They get snapped up so quickly. By the time we got a name of someone good he had recovered so we didn't bother in the end. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

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