Buying a little piece of Middle England; Manifesting my way to mortgage free.

debtfreewannabe321

Afternoon all, 

Well i've had a lovely but busy morning, dropping and collecting DD from school (poor thing on a Saturday and during her holidays!), meeting up with a friend and avoiding the plant sale everyone is going on about in town...only for my friend to have bought me a beautiful yellow rose from there anyway ah well, can't say no when it is a gift...DP face though was like........another plant???? I will need a lorry just for indoor and outdoor plants I want to move at this rate haha.

We popped into the EA as we missed a call from them. All finances sorted for our buyer *woop* it will say SSTC on ours by Monday and we will receive the paperwork to be able to action up the chain a SSTC on the house we are buying. It is currently still showing on RM and only has under offer  

I came back and sold a piece of furniture, we are selling an old computer and the desk in about an hour. We bought it to dress the house really and show options for working from home ..... He's going to list a lawnmower in a minute too as we have two of them.

I have worked out that we need £3800 ish in cash. So I will use the EF for this. I currently have £2112.16 in there (all sales over last few days and surveys have tipped it back over £2000 again.) So I need £1700 ish that is quite a lot to find in a short time.......but we are literally going through the house selling everything we don't love. We already have empty corners where furniture once sat and we have decided to only keep the bits we really love. So all furniture sales and old tools etc the money will be all put into the EF.

I do have the YBS savers too... so if we don't manage to make it we can just take from there. However I would like to make the money and just use the EF. And when the YBS savers mature in October I can replenish the EF straight away then with the 6% interest on top. Makes sense? That is the most sensible option I can see and find and still keep our lower interest rate on the new mortgage without borrowing more. And we get to put the money to good use of moving!

We have the surveyor coming out to do a house survey on our house next week. And we are also having a survey done on the house we are purchasing...things are moving along at the bottom of the chain...we just need the top of the chain to find somewhere quickly. 

The EA said she had a few others lined up wanting to view our house but as the finances are all checked out on the offer we accepted we've said no. 
I let DD & DS walk home last night from Air Cadets and they were accosted by the local reprobates on the way home. Cajoling - or trying- my son to fight with them. DD said he was really good and just ignored them, so they started on her.................PLEAAAASE everyone cross your fingers for us we need to move out of this area asap. My poor son hides in his room all day, has left school because of these bullies (2 have been expelled so they wander the streets all day looking for fights) and they still find him on the odd occasion he is out and about!! Grr.

Anyway need to go sort some washing out and list some more bits

beanielou

Positive thoughts energy & everything else is coming your way. Xx

HotDog2020

Wow I bet you can do it, reaching your EF goal, keep at it, well done and congratulations, I hope all runs smoothly for you. Good luckXXX

debtfreewannabe321

Thanks Beanie and hotdog 😁 I've sold a freezer this afternoon (pending collection - why did I need two?) and I've spurred DD to go through her extensive wardrobe and find some bits to sell on v1nted. So we've had -freezer was just collected! Money sent to HM (house move) fund- an afternoon of taking pictures and listing them on the app.

DP found a pair of boots to sell too. 
We will have nothing left at this rate ...well I say that and we've sold so much and are still finding things 🙈...

I've got a really painful stye in my eye so I've made a wash for it and am cleaning hourly. It's so painful. I will have to throw away my mascara now and buy a new one- hoping I have enough money left on my a.mazon account in vouchers for that. And praying it goes down quickly as it is so swollen it looks like I've been punched! I always get them with dust and hay fever....so found some antihistamine and have started taking them now. 

Watty1

Hope eye improves soon. In awe of determined selling. I have no doubt you will get there with ease.

skint_spice

I love the idea of clearing out everything that you don’t love. Glad everything seems to be coming together.

debtfreewannabe321

Morning! Thanks for popping in watty and skin spice 🤗 we had people collecting things until quite late last night! It was like we opened a flood gate and couldn't stop it. I have many spare corners of rooms now where furniture once stood 🤣 the new house is slightly smaller downstairs until we do the extension so I know I don't have space for all the furniture I currently have. So we've been round decided what we are happy to let go (priced up fairly) decided what we're not sure on (put up for sale priced up higher and if it goes it was meant to have a new home) and stuff we'd never consider selling (right now anyway).

All of my furniture bar a few pieces are antique... mostly MCM which seems fashionable right now (according to my inbox of requests for buying it) and also Victorian (not quite as popular but still has its buyers) so we've managed to make a fair bit. I will add it all up yesterday as it was a bit of a whirlwind and we still have a few buyers lined up today but for more practical things like a lawnmower and old tools. I believe we may have made around £400 for the kitty. I've also worked out to sell the most stuff you need to hold back until pay day weekend....and then list all at once. You'll get the most buyers come through then and quickly.

When we moved here I stayed behind at the old house to scrub it clean, write out a letter to the new owners on how things work (I know I should have done it before but with kids and packing I was completely overwhelmed- and I'm not sure everyone does this but I think it is so many army march outs ingrained in me to leave it spotless lol) and by the time I made it over to the new house the removals men had quite literally dumped everything in my new dining and living spaces. Oh and all over the kitchen sides. It was an utter nightmare and I cried. I was so tired and hadn't really even wanted to move here 🙈

 I think I've gone into early decluttering mode because I simply will not allow that to happen again.
This time I refuse to pay for removals of things I don't love. Or need. Or want. And then it was so stressful last time where did everything end up....in the loft! In drawers. In the garage hidden! This is why we have SO much to get rid of. Also I've learned my lesson on removals....I will pay extra next time for them to put boxes in the right rooms. It seems the last lot could not read. I had painstakingly labelled every box and where it needed to be and they piled it all in one room stating they were tired. And there was more than they thought. It took me four days to find the plates last time 🙈

So anyway yes ..this is why I'm decluttering so aggressively if anyone was wondering 🤣
We still have a lot of stuff we are not minimalist at all but I'm going to try and bring only what will fit this time! Also the next house...our bedroom is in the loft. Ummm....what do people do with their Christmas trees when they have no loft space? Nevermind all the other stuff that was up there? 

Mr T is due at 10. We've run out of most food at this point so that is good ... barely any waste this week. Hopefully a NSD (I don't count the food shop that's a planned spend). We are debating what to do on the home buyer survey. We've been asked which one if any we want. They all seem so expensive so we've not answered yet. The guy who bought the house only did so a few years ago and is selling on again (much like us) so we are going to ask him if he has one from when he bought (this is the good thing with purple bricks you build a relationship yourself with the seller).

Right anyway, sun is out here for once. Walk I think and be back for the food shopping later 🙂

beanielou

What’s MCM? 

debtfreewannabe321

beanielou said:

What’s MCM? 

Mid century modern style (I think I love it as my grandparents all had this style ❤️)

debtfreewannabe321

We've had one sale on vinted today and I've listed the rest of DD stuff she brought down to sell. After washing it first....! Hopefully some more sales will trickle in especially for DD I think it's good to teach her there is value in her flooredrobe. (Rolls eyes! She is so messy...)