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I’d separate the CHF 19,360 before mentally spending any of it: first an emergency amount that remains untouched, then known moving and repair costs. Furniture would come last and could be bought gradually. Also include the first mortgage payment, service charges and the insurance excess in your...

Congratulations. The part about ownership of each next step is crucial, especially during the final document week. I would keep a simple list of each outstanding item, who must provide it, and what depends on it. Also keep moving money separate from the repair reserve; otherwise delivery...