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1. Gather up everything that you want to keep and move it into family inventory (do this in Buy Mode - it's just drag-and-drop). Don't forget about cars - they go with the lot unless you move them first. Andd don't forget anything in the refrigerator that you want to keep.
2. Save the game with a new filename.
3. Buy the cheapest empty lot you can find.
4. Move the family to the empty lot, selling the old lot, house, and all of its contents. Moving is under the Real Estate menu from your phone or any computer.
5. Check your money. That's how much money you'll have available to buy the new house. If your family funds are more than the cost of the new house, then buy it, and move again (you can sell the empty lot and get its value back later if you want). Save the game again and keep playing.
6. If family funds are less than the cost of the new house, the difference is how much you need to save. Load that saved game, put stuff back where it was, and start saving your Simoleons.
Thanks for this. I moved my sim to a cheaper lot and it showed me I had around $20,000 or so from the old lot. Some of that went into my household funds which I then had to subtract from my original funds and add onto whatever I bought the new lot for in order to find out what I was taking with me.
Unfortunately I still would have had to save up to account for what I put into the new lot on top of the additional cost for the lot I originally wanted if I had done this through my sim's computer or cellphone. I then fount out about evicting households but I didn't think my sim's household would be saved to the in-game clipboard so I didn't try that at first.
Oh well. Stupid moment #1 for The Sims 3, I guess.