We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Prosperous & Creative Soul & MFW Year 3
Comments
-
They say 5 days for the post redirection but ours was only about 3 - I think they say 5 to give themselves a bit of time.Keep breathing and counting to ten - you’ll get there!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Thanks EH, Merlin, FS, Blackcats, Jwil and LWAP
I really appreciate your support and encouragement. My sellers appear very zen about it - and confirmed their solicitor is still expecting 30th as a move date. I will try and get hold of my solicitor again today...
I've just done my post redirection and included DD so it cost slightly more.
I tackled some of the garage last night. I have 2 boxes of stuff on the go to donate to the handyman - from that and my kitchen and I'm expecting there to be more. I binned more stuff. I have put most of my tools and diy supplies in 2 clear boxes with lids - and all my light bulbs - mostly bought pre divorce - in a clear box for which I can't currently find a lid. I've also started a car related clear box - also with its lid missing. These will all go in the garage long term and the idea is that I'll be able to see where things are at a glance. I've started grouping my gardening supplies that were in the garage - these will probably fit in the wire baskets unit in the shed.
LWAP - it appears I under-estimated my shoe collection - including safety boots - I'm closer to 12 pairs...But predominantly wear 3 or 4 pairs.
I've asked my cleaner to help me in the garage and shed today - as I think what's left out in the house is mostly stuff I want to keep and if need be can all be chucked in boxes speed style if needed - where the stuff in the garage and shed requires more decisions. My decision making skills are low at the moment.
I've ordered a 24 case of my fave B55 drink - paying an extortionate price on Am**** as they will get it to me the quickest. Hopefully that will help me keep going over the slog of the weekend.
I ordered more boxes last night just in case. I've also just ordered some more see through storage. I'd rather put stuff in its long term home i.e. see through storage than a cardboard box I need to empty later. I agreed with my counsellor last week that Friday would be the watershed day when I move from a focus on decluttering as I pack - to just getting it packed.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 29/7/258 -
Hopefully you’ll make great inroads with the help of your cleaner. Just remember to breathe and think this will pass.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 #1243 -
Sending you sympathy and calming wishes. Hang on in there - you're so nearly through the stress! You also sound really organised with all the packing and sorting. The fun/exciting times in the new house are almost here!
I really empathise - you just want certainty at this point. We had a last-minute faff about dates just before we exchanged, when our sellers suddenly suggested a new completion date later in the week because they 'might not' be ready, when our buyers were already stressing and wanting an earlier date - and we really couldn't budge because our removal firm couldn't do any day other than our originally agreed one! BUT it all came together - I was also panicking about the buyers' funds arriving in time because they seemed to be requested very last-minute as far as I could tell (stress levels not helped by us only exchanging the day before completion, which seemed to be the done thing back in 2021 because of COVID!) - but it was fine. So, even if it doesn't seem fine - the chances are, it probably is2 -
Well done you are making great progress I agree after Friday forget about decluttering just get it all packed. Great to have a date to work to and sounds like you are almost there with the tricky decision stuff.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 -
No wonder they say moving house is one of the most stressful things to cope with. Well done on the packing and hopefully all will come together in time for next Tuesday.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.
The 365 Day 1p Challenge 2025 #1 £667.95/£391.55
Save £12k in 2025 #1 £12000/£110004 -
Our sellers were another one with a terrible solicitor. We managed to get in touch with them through estate agents the day before move, where it turned out they hadn't been made aware of date or signed the contract. They made a 3 hour trip up (they lived elsewhere), signed the contract, did a rush job with packing, handing out furniture to anyone who helped on the street and then we luckily completed on time. Such a stressful time but as soon as you get the keys, it calms down and you can take your time unpacking and decluttering more if necessary. It will all be over soon ☺️Mortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!5 -
Thanks Lucielle, @catclaires , @Bargainhunter30 @enthusiasticsaver and TG
Apparently my solicitor has ordered the funds so that's something. She's hoping to do her final bit of paperwork required for exchange this afternoon - and then it's down to where my buyers are up to!! She says everyone is still working to the 30th.
We finished sorting through what was left in the garage and the shed. I've put together another crate or more of stuff for the handyman. My black bin is now pretty much full - will definitely be looking to use the neighbour's bin to shove more into the night before the collection. I might have to nip to the tip for some things that won't fit in the bin. I also have a charity bag to drop off somewhere. What can be packed in the utility now is. My cleaner also changed my bedding on my bed.
Outside I still need to empty a storage box - even if I give most of its contents to the handyman - including a tent for one... Ideally I need to remove the fireworks from where I plunged them in water a month or move ago and put them in the bin. I'm tempted to use a surplus external paper bin to transport my garden tools - spade, rake, hoe etc.
Most of my pictures are now packed - but that still leaves at least 7 that I can remember off the top of my head... The mirrors are all bubble wrapped. I'm almost out of boxes and tape - only about 4-6 left I think. I have plenty left on my giant bubble tape roll though that came this week. I'd used 2-3 of the half size bubble wraps before that (50cm tall instead of 100cm). I have 6 unused canvases to box/wrap. The amount left to do is improving. I need to work through my more detailed list. My new boxes are due tomorrow.
Until then handyman has been - which should be Friday - I have limited space to move packed boxes into - so far too many are now in my lounge and kitchen which isn't making for a positive environment. Once he's been I can move more to the garage and make my living room a less overwhelming place to be. When I've rested a bit - I'll look if I can find a way to do that any earlier - the problem is he needs to take 3 pieces of furniture from the garage - 2 are at the back of the garage (assembled) and 1 is dismantled leaning on something else...
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 29/7/254 -
This time next week it will all be over!!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 20255 -
Merlin's_Beard said:This time next week it will all be over!!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
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.6K Banking & Borrowing
- 253.3K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.6K Work, Benefits & Business
- 599.9K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards