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The impossible dream
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New month! Woohoo! On a positive note, managed to sell the Dismaland programme and balloon for £75. Feel quite positive as they were only taking up space and served no useful purpose other than to jog my memory, which is intact.
Have lots more to sell, but need to really make an effort. Small steps.
More good news, I have a function to attend in January and I can still get into my frock! So pleased as I don't have to go out shopping for something to wear.
It's nearly the end of the week. One more to go and it's holiday time!! Only 3 presents left to buy, I just don't know what to get them. Majority of the food shop is done - still have to buy brandy/whisky cream for mince pies, chestnuts and marshmallows for roasting on the fire and enough chocolate and double cream to make chocolate puddings.
One week to go to freedom...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 -
One week to go sounds like bliss! I have 12 working days left until I finish - although I'm thinking of booking another day's holiday and splitting it over 2 days to make life easier. I just need to sort a pressie for my mum really and then I'm about done but hardly buying anything this year.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 -
Well done on the sale of the balloon and the programme. It all adds up and speeds your mortgage free date.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 29/7/252 -
Thank you Savings. Every small thing sold equals money I don't have to find. A willing donation to the visit to the hairdresser, with change.
Christmas decorations - up. Mortgage - down.
The very idea of NSD's are completely out the window. I have been spending at an extreme rate, but it is Christmas. This weekend, I also opened my first bottle of mulled wine and ate my first mince pie with Baileys cream. Happy holidays!
Looking back over the year and what I have had to do and therefore, had to spend, even though the work will not be completed until next year now due to the weather, I think it has been a good year financially. The cost of the work done has been worth every penny - the house is warm and dry and bright due to the new french doors. But, to find myself one year late, only owing £7k more than I did this time last year, I feel is amazing.
I will do an end of year roundup on what has been achieved and set out my stall for next yearWhat 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 -
Happy holidays indeed. Have you got any more construction work planned between now and xmas or are you having a break?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 -
Oh, I am absolutely having a break from all things related to doing up houses! My master plan is to vegetate and lay down the winter fat. The most onerous thing I will do is attempt to list something on ebay and sell something, anything. That and perhaps a few surveys if they come my way.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 -
A rest would be well deserved. I just want to hibernate this time of year.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 -
I decided that I need to lift the carpet in the spare bedroom - after buying a rug to go down. So, I have rolled back some of it, about 1/4, and have ground to a halt. Now, I have a choice. I can try to roll some more, or I can list a jacket on flea bay, or I can do what I said previously and do nothing at all related to the house or anything and just vegetate until the new year. Can't really leave it like this now, I've gone too far. I just keep looking at how I am going to roll it up with the bed in the way...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 -
Is your plan to put the rug where the carpet was? Will it fill the whole space under the bed? We need more details
Taking the mattress off will make it easier to life the bed. If you are replacing one with the other - can you be rolling the rug into place as you're rolling the carpet away? Is it a divan bed - and if so - is it in 2 parts / on wheels / can it be moved easier than you think? Divans tend to be quite light? If it's a bedframe - could you tip it on its side - then tip it the other way when you've further along with the carpet/rug...
Did that make any sense at all?
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 -
Yes, it made sense Savings. The job is now complete. I rolled and lifted - bits at a time. The bed is a one piece wooden pine frame with slats, so not the lightest. And in true 'I didn't think that through' style I had already piled everything in the room on top of the bed! Anyway, no, the rug is only big enough to do half of the bed and out the bottom - its 160 x 230 and has a ottoman/seat at the bottom of the bed on the rug as well. Couldn't see the point of buying a rug to have the majority of it under the bed. It looks quite nice although I say so myself.
Now, the room could do with painting - never change things in a room unless you are ready to accept you will need to redecorate! Just plain old white, so may do that at some point, but not in a rush. I need to stop spending and start saving. Or at least earning some bits on surveys so when I am spending, I am not impacting the budget adversely.
And only one Christmas present left to buy. Something will come to me...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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