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operation recovery
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They hammered the guttering back on thinking that's ok everything should be fine ... Still need to check and see if the roof is damaged ... I am still fuming about it all to be honest0
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ouch - al that sounds about as much fun as my 20 minute wait and counting for the tax credits helplineAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
20 mins that's a ridiculous time to keep you on hold ... Did u get it all sorted though ?0
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hi el - was on hold 30 mins then spoke for 10 more - got off the phone after 40 mins! Yes all now sorted - should get £450 ish back for last year and tax credits for this year. Unlikely to qualify next year if I keep my job - but if I keep my job that won't matter too much!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
thats great news saving ... you got any plans for the money?0
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what is it with neighbours in this day and age. If you ask me since the government decided to nanny everyone, loads of people just swish their hands up in the air shrug their shoulders, as if to say 'hey don't ask me to step up to the mark!'
as you know i've got neighbour problems as well so you have my sympathy.0 -
yeah lt to be honest i think you win hands down with yours though for crappy neighbours .... any improvements there at all?0
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Thanks kc I am trying
I am so fuming right now .... The neighbour next door that hates trees decided to cut onenof theirs down ... They did it themselves and pulled off our guttering in the process .... Today I looked out the window and saw they had damaged the plum tree in the front garden as well .... There is a huge limb hanging off I will need to get it cut now don't know if I can save the tree or not ....
If you cut the stump such that the water will not stand on the "wound", (i.e. vertically) then it should be OK. Trees can take damage, there's been cannon balls and all sorts found in trees over the years, what they can't take is standing water - that leads to rot.
Just make sure it is vaguely "balanced", so it doesn't pull itself over in high wind.They had asked us a few weeks ago if they could take the plum tree down as they don't like trees ... I know it was an accident but part of me realises they are happy about it ... The bit that I am soo angry about is they didn't even have the decency of telling me ... I am soooooo angry right now
Check everything else. *Everything*. There's probably other stuff they aren't telling you about.
Take photos of *everything* - including the damage they've already done."Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
Hi planning to pay it off our post office CC - that together with MIL's birthday present to OH should hopefully knock about a month of our DFD.thats great news saving ... you got any plans for the money?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
well i went to the neighbours house .... and informed them a tree surgeon will need to have a look at it and they will be paying the bill ... we will see where that goes eh
i had forgotten about a debt yikes ... so my debt total has went up a bit will need to get that fixed for my sig ... but the student loans did recieve my £20 so i can start paying that off now0
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