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Prosperous & Creative Soul & MFW Year 3

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  • Thanks Merlin.

    This may seem like a list of excuses but...

    I've asked my cleaner if she can help other days and she's promised to look at her calendar and let me know. I may need to rope in DD and her BF at the weekends. I won't remember where stuff is if I don't pack it. I want to leave some things until last like pictures and mirrors in the lounge and possibly my bedroom. What I am trying to do now - is find all the hidden things like stuff under furniture and either pack or dispose of that.

    I also WFH most days - so need to leave my office set up until I finish work which is due to be the Friday before the Tuesday move unless I book extra days. There shouldn't be too much left to pack in there - a picture, toner cartridges, a couple of lamps - things like the printer I have no box for and it's on a wheeled unit at the moment so would probably want it to stay on that or the movers would have to do something with it. I'm not even convinced I could lift it. My desk top they'll have to use blankets or something for as it's super heavy and I can't lift it. The desk top is sat on cubed units so they're kind of ready packed.

    I don't cope well with other people in my space - particularly if they are not known to me. Hence why I don't want packers - especially if they were male. I am also sensitive to mood - and therefore others that might be able to help could increase my stress levels if they bring stress and anxiety with them or if there's too much baggage attached. Some people would also judge me on my belongings or things I want to keep and wouldn't be able to resist commenting etc... or could be upset by things that turn up like old family photos etc. Some people would require a lot of instructions which defeats the purpose. My cleaner is great as she understands how I think and what's likely to matter to me. 

    Most of what's left to pack is split into 5 camps
    a) tools/things that are too large/heavy to pack
    b) things in daily/regular use or that I feel I need round me for the comfort of familiarity until closer to the move date - or things like curtains which for security reasons I don't want to pack too soon
    c) things that require decisions 
    d) things I'd like the handyman to clear for me if he ever turns up. This includes a bike, 2 or 3 pieces of furniture and a lot of what is in the shed and some of what is in the garage.I may give him a call again tomorrow and see if he's likely to be able to come. Because of the bereavement his normal van isn't currently available. If he can't come, I'll just mark it as free / low cost on FBMP and hopefully get rid of it that way.
    e) things like clothes and curtains that are easy to chuck into a zip bag closer to move out day.

    Tonight due to the box shortage I've continued with mirror and picture and ornament bubble wrapping. It's very time consuming. I need to pack a picture from the family bathroom and then that room's pretty much done. Just has an empty metal rack in there and soap and lotion. I'm whittling down the smaller ornaments and pictures in the house that would be less missed. I'm still in declutter mode so also looking at what can be binned or donated as I go which others can't do for me and which would then increase the load at the other end. 

    Luckily my bins are due to be emptied the day before the move so I should be able to get rid of most of what can't be donated via my bins which is good. Last time I moved we were still packing after we should have been out. Definitely trying to learn from that and be way ahead of the game.

    I've got a room by room list that in theory I'm working to. DD's wardrobes are now completely empty for example and I just need to remove a couple of boxes from DS's wardrobe and then his room is virtually done other than his curtains which I'm leaving until later. The airing cupboard is now empty... In the 4th bedroom I think the cleaner has removed everything from under the bed - I'll check - but that still leaves some paintings, lamps, mini tables and a huge craft crate in the wardrobe.
    As long as you're doing what's best for you, then that's the best way to do it. But definitely if you can think of an easier way, I'd take it. Moving is hell!
    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
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well the meal was nice. I nipped out and bought myself a vision board kit I'd given someone for xmas - now reduced to £3.50 and a canvas pad as my niece and nephews used up mine on their last visit. I then thought I'd brave looking under my bed!! One of DS's fave books when he was little was about a creature that grew from all the things under the bed - a whole world even - I keep rebuying it - and yet the irony of my own 'under bed' situation was lost on me - although TBF that's part of why I'm considering an ottoman frame at the new place...

    I found my wedding album and looked through it. Glad I opened the box as it also had the kids school pictures and around an 8 week or so scan of DS when he was still in the womb so that evened things out. I found another box that had a real mix of stuff in it. Ex's exam certificates, birth certificate, 25th wedding anniversary cards etc.  I've binned all the cards. I've made a pile of stuff to give to the Ex via DD which includes some photos of his Dad who died shortly after we were married. I found some of DS's treasures - so have moved those to a box of his stuff. I also found a whole 'floating' shelf that we'd just put under the bed when we took it down - 10 or more years ago?? I found a pair of crocs I'll run through the dishwasher. They are suitably paint spattered but very dusty and spider webby.

    The framed photo set I was looking for wasn't there and I'm now wondering if I gave it Ex at the time as one of the photo's was my favourite ever photo of him and DD. I found a photo from that time in a garage cupboard but the glass was missing from the frame. I found a family photo we spent £1K on in our high debt years under the sofa. It's already bubble wrapped thankfully so pretty much good to go. I also found some see through art shelves under the sofa so they could be useful at the new place. I have some others in the garage which I need to make sure I take with me. Apparently it's not just under the bed that new worlds could be created!!

    I found 4 vision boards under the bed - including one that was unused. I was quite amused as I'd bought coloured ones but only used the white side. I won't need new ones to go with my little card and workbook kit I bought. One board in particular from 2012 had a lot of sayings on it that could equally apply to now. I've not made a lot of tangible progress today - but maybe I needed the break. The vision boards can be used to help protect painted canvases so they were a good find just from that perspective.

    Need to make myself wrap some more paintings... Will get a coffee and some chocolate first!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • beanielou
    beanielou Posts: 96,053 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I don't have my wedding album!
    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.
  • lucielle
    lucielle Posts: 11,536 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you enjoyed the meal. I hope you’ve got enough walks to hang your pictures up!  
    L
    Total 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 #124
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    I don't have my wedding album!
    What struck me was how young and hopeful we were. Plus the people in the photos particularly on his side who had since died. I have too much of a history background to destroy the album but my kids aren't very sentimental so maybe one day they will. That day has my best photo ever of me and my dad... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    lucielle said:
    Glad you enjoyed the meal. I hope you’ve got enough walks to hang your pictures up!  
    L
    Thanks Lucielle. I'd need a gallery to have enough wall space. At some point I want to try and sell some and I appreciate them all the more for having put some away for a while.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • KajiKita
    KajiKita Posts: 8,043 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Well done for tackling under the bed! Sounds like a huge volume of both memories (and dust!) to work your way through. 
    Glad you enjoyed your dinner too 😊 Hoping you slept okay last night. 

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: £353 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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