Here's a Mustachian problem for you. I just made a large overpayment on the mortgage, and moved my emergency fund to a high-interest account, all in one day.
Now I'm on hold with Fraud Prevention.
That's the most Mustachian problem I've seen in a long time. Hope your conversation is expedient!
Omg that's a definite mustachian problem!
We paid our mortgage off over a three month period as an end result of a part time income stream becoming full time for 12 months.
So a thirty year mortgage was paid off in exactly twenty years.
Counter staff then raised the extra income as a possible fraud issue which became interesting and ended with, "you would not accept the part time income in the loan documents as income (higher loan) because it is not constant (some months nothing), but now suggest fraud when I use it to pay out early?". The loan did start out as a form of government guarantee loan (low income), but they can not have it both ways.
Confused looks from the new counter clerk, but the manager sorted it out as he had been there when we started with them and was my loan consultant at the time.
Lol, I don't care if they call it fraud or not. Let them investigate for a year. But If they don't accept payment when offered, they can't continue to charge me interest!
My mother was so embarrassed by my Goodwill jeans that she made me wear hers. She insisted I keep them.
Not sure what the problem is. Goodwill has a lot of nice clothing.
Source: My wife and I have donated a lot of items to that place, haha.
I know of one person who considers them "dirty" (even though they're washed.) And "wants their own clothes".
A friend of mine's wife teaches in a fairly tony school district. She overheard one of her fellow teachers denigrating people who buy "used houses" rather than building new.
Wow! That's another level- insanity.
I feel this lady a little bit. The deep cleaning I had to do on my house was intense and I'm sure I still missed a lot. It wasn't dirty by any conventional means, but you would be surprised how much grime builds up everywhere nobody thinks to look. Spring cleaning type stuff like cleaning every inch of every door including the tops (splashed gunk from where???), under the counters and cabinets, inside the cabinets, re-caulking everything, light switches that need harsh cleaners or replacements, and so on and so forth. And don't get me started on the bathrooms. I'd usually at least replace the seats but mine were too expensive so I removed them and soaked them in a bleach solution then hosed them off and sun dried them.
I used to be a much worse germophobe, the above is the mild version.
Luckily the previous owners didn't have pets but who knows what is under your floors???
There is something to be said about knowing everything that's every happened to your house and carrying the sole blame for every dent, scratch, and spill.
But I'll still pragmatically take a look at the cost of the new house vs an old house and paying someone to clean it really well, plus liberal replacement of some items like toilets. The real reason I didn't buy new is nobody is building reasonable new homes in decent sized lots anymore. If they are on a nice lot, you can expect it to be at least 4000 sq ft (and likely much more). The only alternative left is custom house on a lot I choose but good lots in his area are mostly built up (unless you buy huge and subdivide) so again the price is astronomical