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MF by Christmas 2024 - let's do this!

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  • I packed my china and kicthen items in Tescos fruit boxes, super sturdy and stackable. Tescos were thrilled that I could use them! 
  • Doing well on the packing, it will be here before you know it 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Wow all seems to be moving forward quickly here, very exciting!
    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
  • Coxy11
    Coxy11 Posts: 5,603 Forumite
    Part of the Furniture 1,000 Posts Photogenic Homepage Hero
    The first truckload of our house has been picked up today. All good except my entire wardrobe and underwear has been taken - DH obviously didn't hear me this morning when I told him what they COULDN'T take just yet. Off to buy clothes after work!!

    Cross-stitch WIP: Fiver Friday challenge 2025 founding member 😊 Read 25 books in 2025 11/25 Currently reading The Cliff House by Amanda Jennings
  • beanielou
    beanielou Posts: 95,642 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well you do need to have some clothes! 
    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.
  • Coxy11
    Coxy11 Posts: 5,603 Forumite
    Part of the Furniture 1,000 Posts Photogenic Homepage Hero
    Indeed @beanielou. I literally have what I wore to work and still need to get through the weekend and Monday yet! Thank goodness for late opening MrT!!  :)
    Cross-stitch WIP: Fiver Friday challenge 2025 founding member 😊 Read 25 books in 2025 11/25 Currently reading The Cliff House by Amanda Jennings
  • beanielou
    beanielou Posts: 95,642 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope all goes smoothly for you with the move. 
    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.
  • Suffolk_lass
    Suffolk_lass Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Excellent! if that is all that goes wrong you will be laughing about it all soon. And there is nothing like a bit of new underwear, especially pants and socks) to make you feel better about things  ;)<3
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • Coxy11
    Coxy11 Posts: 5,603 Forumite
    Part of the Furniture 1,000 Posts Photogenic Homepage Hero
    Good morning from our new house!

    The wifi was turned on earlier today so both DD and I are WFH today. DH has gone back to our old London borough to sign on (last but one appointment). He will be back by lunchtime all being well.

    The move went smoothly, mostly due to a full truck leaving on the Friday so only the beds and sofas plus some last boxes to move on the actually completion date of Monday. The house was clear by 10.30am and then DH, DD and I cleaned it thoroughly. The new owner isn't moving in until this weekend so only a couple of days' worth of dust to settle.

    We were in the new house with the door shut at 4pm as there were 10(!) removal guys to bring stuff in. They were excellent, made up the beds, wardrobes etc. Totally awesome team work and really nice chatty guys too. 

    The new house is probably more of a project than we first thought and there are a few annoying things, BUT we are going to take our time, and I've already started a list of spares to order (oven door handle held on with tape, freezer box drawer broken) to make things a little easier. I think the biggest thing for me is the lack of kitchen cupboard space as there are two integrated under counter fridges (no freezer apart from one little box) and I think I'd rather have more cupboards. So plan is to maybe buy a free-standing American fridge freezer. We are very much living day to day with groceries as I had to go back to the office on Tuesday and WFH at my DSis's yesterday. We are yet to do a big shop.

    Our bedroom has a very dated en-suite but the electric shower is fine and will do until we update that room. DH is fiddling with the heating to get it good for us as our bedroom feels very cold in the evening. The couple that moved out were 80 and I think that generation are made of stronger stuff - definitely know my Mum doesn't switch her heating on much!

    We still have a mortgage c. £37k. The amount NatWest quoted us last week and the amount the solicitor ported as part of the completion statement differ, so DH is on the case with that. 

    The most pressing thing is to get the proceeds/equity of the sale out of our current account which is currently sitting at c. £200k and giving me nightmares. Good problem to have, I know. We will be looking at best options for that this evening now the internet is up and running.

    I also need to get my head around taking a break from work, to sort the house/garden, have a rest etc. There's a part time receptionist role at the local (walkable) vets which is two long days and a Saturday morning. Seriously tempted so might apply and see what gives as that work pattern is ideal for me and I don't feel ready to completely retire. Also have money anxiety as my Mum worked until 67 following a divorce and I know we will go through our savings once we start changing things up here.

    So much to think about, but glad we made the move as it has really lifted DH's spirits.
    Cross-stitch WIP: Fiver Friday challenge 2025 founding member 😊 Read 25 books in 2025 11/25 Currently reading The Cliff House by Amanda Jennings
  • beanielou
    beanielou Posts: 95,642 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy happy new house to you all. Wishing you so many years of love happiness and laughter. 🥂🥂. Xx 
    Great idea to suss out the vet job. 
    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.
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