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Baby steps to mortgage freedom for beanielou.
Comments
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badmemory said:What are you doing about the walls. When I eventually get round to having mine done I am thinking that most where there are units will be similar to the splashwall I have in my bathroom - no grout to clean - bliss. A bit more expensive but it will also be easier for them to do as the walls are all over the place. I think they must have left the very junior apprentice plasterer all on his own when it was done. Although it is quite possible that when they try to take the old tiles off that all the plaster will come off too. My father fitted my kitchen for me over 30 years ago when I bought it & he had a reputation in the family for nothing ever coming off a wall once he had fixed it there & it hasn't.The quarry tiles on the floor are staying but will be covered over by some sort of board & the new floor will go on top.The splash back stuff is way cheaper than tiles.My ex F-I-L did all the tiling including the floor again over 30 years ago.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
KajiKita said:beanielou said:I have now had the quote for the fitting of new kitchen & removal of old & the new floor. It is considerably more expensive than I thought it it would be. I actually feel a tad sick. I am about 2k short. I need to have a serious think about the way forward.
is it just the labour that makes the cost so much higher? If it is it might be worth talking to your contractor about whether you might be able to do it in phases to spread the cost? So buy all the units up front (so they all match) but have the units fitted / kitchen done in two phases, six months apart perhaps to give you time to pull the other £2K together?KKI just need to work out the gap & how to cover it.Other tradespeople have a reputation locally for dotting between jobs but I would not be able to cope with that. I trust the joiners will come when they say & they will work fully on the job in hand.The labour is 2k more than I thought it might be.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6 -
My friend has a small kitchen in her new house and she spent £12000 on a new kitchen 😯 it's nothing too special either. No fitted white good etc just an oven and hob. I was in shock at the price. She also didn't have flooring fitted with it or tiles! She's still tile-less now as saving for it.
It's made me rethink all the work I want done here 😯
MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
Total- £1362.23
Goal pay off 1% of current mortgage in 1 year. £1650
EF- first goal £300
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My first mortgage was back in 1969 & I expect my new kitchen to be around 3 times that at least, but then that house is now selling for over 80 times what it was back then.
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Meeting friends for a cheep lunch later. Not feeling it but to complicated to cancel.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6 -
Hopefully it’s one of those occasions when you don’t look forward to it but have a great time.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1245 -
Hope you had a good time x"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
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lucielle said:Hopefully it’s one of those occasions when you don’t look forward to it but have a great time.Ljwil said:Hope you had a good time xI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6 -
Can you have a good rest this weekend now?
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 47 books of target 52 in 2025, as @ 30th August
Produce tracker: £353 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
KajiKita said:Can you have a good rest this weekend now?
KKI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.5
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