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The impossible dream
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Sounds like it will be stunning once completeAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
It has happened! Today, this momentous day should go down in the annals of history! Today marks the end of the Chimney saga. The chimney is complete and the scaffolding is gone! So pleased. I am jumping backwards and forwards between tasks now.
Purchased the wood for the staircase - needs sanding, attaching and staining. Getting the right colour may prove difficult, but it is on the way!
Repositioning the washing machine into the bathroom. Have bought the doors to go on the cupboard. Will look at staining them - every small step is a step in the right direction to the job being done!
Painted the wood outside of the garden room, now need to paint the inside, but have misplaced the paint! I wanted the Sandtex exterior masonry paint in cornish cream, which is really yellow. Want a warm bright colour, preferably not white, but if I can't find the Sandtex, then Duxux Weathershield in white it will have to be. I have no plans to buy more paint when I have so much which can be used for this job. Hoping it is down south, so will collect that in a couple of weeks. Means I can't tile the floor, but one thing at a time, I have lots of things to do.
All good!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park3 -
Fab news on the chimney and stairs hopefully you can start letting the room out soon.Hope you find the paint. We have cream on our fence I love that colour.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest3 -
Great news on the chimney. Good luck with the paint.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Rang BG today and managed to speak to a human! So shocked! Anyway, they have booked another appointment to come and look at the meter as it doesn't give them readings. Waste of time and effort, but happy for them to try again.
Also gave them a reading and they confirmed I am currently £400 ish in credit on my electric. Great news, so not as concerned about my future bill now, as I am clearly managing to build a buffer before winter.
Managed to stock up on wood as well, so if cold, I can use the open fire. Just need to fill the coal bunker and I will be on the way to being warm for winter whatever happens.
NSD's are going out the window, but spends are controlled and budgeted for.
I need to get my paperwork to the Accountant, but I have plenty of time to do that.
Everything ok at present. Still trying to pay down the mortgage, no concerns at present. More concerned that the interest rates will be astronomical when I come to renew my fix next spring. The less I owe, the lower the interest paid. Currently paying around £105 in interest per month. Looking forward to being sub £100.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park1 -
Great news on the£400 credit for elec. Hope you get the meter sortedAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
The most glorious news!! My neighbours are finally moving. They have listed their house! I feel the need to party!!! Suddenly, the sun is brighter than normal, the grass is greener and the sea is a fantastic shade of blue. The flowers are beautiful and the bees are fatter and happier. All is good in the world!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park2 -
🤣🥳🤣🥳
I so get this - 3 doors away from us (we live in a curvy cul de sac) are on rhe market - we've never gelled with them (most people havent) since they moved in about 9 years ago - they're brash and loud and into flashy cars and designer labels and parties with cars blocking everywhere (curvy cul de sac = limited parking) - can't wait until they actually sell!I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £202 -
This made me laugh but I get it. I think we all have one near neighbour we feel like that about!Tahlullah.H said:The most glorious news!! My neighbours are finally moving. They have listed their house! I feel the need to party!!! Suddenly, the sun is brighter than normal, the grass is greener and the sea is a fantastic shade of blue. The flowers are beautiful and the bees are fatter and happier. All is good in the world!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Something has gone wrong with my footer! Somehow, it is showing the mortgage as £42,700. Oh well, in March. Oh well, I have lost April and May's total so will re-set for June. Still good news when looked at from where I was last June. I will try to reset it.
The running make £2022 in 2022 figure has gone, as has my current footer song. Clearly, the site has re-loaded my footer from a previous backup and lost the current information.
No worries, the birds sound beautiful today!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park1
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