Diary Mortgage Free Road To Change My Life

Luckyinlife

i keep looking at cars

I could if i want spend upto 5k on a car but im i feel much more comftable with the money in the bank but then i would love a car as well

can someone tell me off please haha

iv got the hedge cutters ready this morning and now its started to rain grrrrrrrr

edinburgher

Do you need a car? They seem to be very expensive and are probably the #1 big ticket item that temporarily derails people from their MFW goals!

Luckyinlife

Hey ed sorry for late reply

I don't need a car out of necessity but i guess a car is more of a hobbie to me than just a daily commute i don't drink smoke gamble or anything really i lead a very simple life

My main hobbies i guess are fishing and my car when i have one i enjoy driving way to much haha

Luckyinlife

Quick update on the house

I have now done half of the garden yesterday still wanna get a bit done this evening if i can then all i need is someone to clear it all :]

I also have a kitchen fitter booked

jobs hes doing

fit kitchen
hang 7 doors
put a floor in the loft :] its roughly 6 meters by 7 meters floor space so will be a big useful space
fit shed door
lay wood floor

so i have him booked in for 8-10 days of work mid august

so fingers crossed the place should be 99% done by end of august now

The place looks really good now tho super happy with looks like a new build inside but with great space and nice amount of land for a semi

Luckyinlife

So im doing my weekly money stuff

Anyway tax man kindly sent me a payment on account invoice as well

so after this is payed ill have

14k Emergency fund / this includes 4k for over payments

4k for house work kitchen/fitter/ floor /bit of garden work tight but can be done

So the plan is get the house finished by end of august and try to save into the EF when i can

hopefully get the mortgage to under 60k by the end of this year would be amazing :]

shangaijimmy

Well done Lucky you've made fantastic progress and have some realistic plans in place. We too are doing house stuff this year. I set myself the target of decorating every room by end of September. I started in March and have 3 left so i can see the end in sight (i'm dreading the kitchen though as this is huge and a fiddly shaped room)!

Luckyinlife

Thanks shang :]
Defiantly it can take a long time to get things done.

I think its easy to pay someone to get the work done and get it done fast when you do it yourself it always come 2nd or 3rd to life work family comes first for me then the house.

Are you having a new kitchen installed ?

shangaijimmy

No new kitchen - that's our reward for becoming MF in however long... I don't actually mind the decorating once I've started. It's the whole prep work that drives me crackers!

Luckyinlife

Aww nice great shout :]
I have plenty of prep work left to do if you wanna take it of my hands haha

effort = reward :]

Firegirl

Wow your doing great. End of August sounds like you've really blasted it:0)

Great on the win aswell. Resist a car for as long as possible but im thinking once you get your own place sorted you could use your diy skills to save up extra for a car! It's wee jobs people can't do themselves like curtain poles and loo roll holders you could make a bob or two. My friend paid to get curtain poles put up in a new build property. 15 quid each and 8 windows!