We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Extending our house without extending ourselves beyond our means
Options
Comments
-
Great news on the PPI payout. Good to plan how to spend the increased time at homeAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/253 -
Lovely ideas. We are planning similar stuff and yes lots of online yoga classes.
Stay safe and well
x3 -
Turns out DH says we have enough paint so that was a spend we didn’t need to make. We’ve made a (long) list of things we want to do whilst self isolating. Some will be 5 minute jobs some several days 🤣 feels good to get them all down on paper though.Today has been productive. We decided to spring clean the house to make it easier to keep tidy and clean with us al being here all the time. Tomorrow we will attack the garden. I’m contemplating turning the front garden over to a vegetable patch. It’s a mess from the building work anyway so it would actually look better and be functional in the short term. Even without C19 we wouldn’t have the funds to do what we want long term out there this year anyway.Made a cake and sausage rolls today between cleaning and tidying.Also dug out several ‘making’ kits of varying guises that we can do over the next few weeks.Smalls did some crafts earlier which was lovely. We also went out for a long walk.Have some work to do on DH business over the next few days. Both his previous income streams have now ended as now he’s self employed unless gov announce something different the next few months are going to be almost nil income apart from the new stream he is working on. I know they have been some measures in for delaying tax payments etc... but for someone who is only recently self employed that doesn’t help. Oh well. He’s working really hard at his new work stream so hopefully something from that will start to come in.That said expenditure is going to be very limited in the next couple of months. We’d recently booked a long weekend (before c19) so hopefully we’ll get the money back from that (or be able to rebook for a future date)
If it continues to warm up, I’ll try and get out for a short run I think this week.Plenty of shopping from home opportunities coming up. I’ve already nabbed 2 pictures out of the loft to go up and tomorrow I’ll raid my seed stash for starters.Take care peeps.3 -
I think one of the positives that could come from this is we could all end up with decluttered homes!. I wonder how the charity sector will cope though - as presumably their shops will be shut - which could mean more has to be binned. Better safe than sorry - and as you say most of us have plenty of shopping from home opportunities!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/253 -
I've just mentioned on my diary that I intend to do the same thing, PurpleFairy......I think a plan of the key areas I want to progress over the next few weeks will help both me mentally & physically, as well as moving forward with various projects.
I had a shopping from home win today without even trying........I took down my big pin cushion which I inherited from my Mum to look for a needle suitable for mending a little hole in the seam of my cardi. While doing that, something jabbed my finger & I realised there was a needle embedded in the depths of the cushion. Further investigations revealed another 11 perfectly good needles, which had simply sagged down below the surface rendering them invisible. They might come in useful if I keep breaking them when I attempt my first ever chair covering project!
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (29/100)
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)4 -
Sounds good PF xx3
-
Thanks for swinging by @savingholmes, @foxgloves and @brizzlegirl
waking to a new normal today, lockdown. That said, it won't change anything particularly for us as we had already decided we wouldn't be going to get anything other than food anyway and a daily walk.Really productive day on Sunday. Planted the following seeds:
sweet pea
spinach
tomato
cucumber
courgette
cress (in half egg shells 🤣)
raided seed pot and whilst some are out of date (like that's ever stopped anything in our house!) I will still plant them as I've nothing to loose if they don't grow. And lots to gain if they do! But will stagger the planting.Cake I made Saturday has been duly demolished (but have been using it for pudding so it didn't go to waste) so will make another today.Local shop delivered me some wool yesterday so small can have a go at knitting her own project as a gift for her teacher and I bought some wool and a crochet hook and I'm going to see if I can master it! Was very impressed with the service and will definitely use them again, didn't know they existed before this.Also using this time to try and learn a new language. Hmm, will see how that goes. Have a free app and it's only a few minutes a day.Shopped from home yesterday by getting down a box of DD1 clothes as DD2 has had a growth spurt. Full drawer of 'new to her' clothes and her clothes that are two small have been boxed up and gone back up and I will sell/gift/charity shop when the world is open for business again.DH also found wood in loft to repair DD bed that is broken, he'll do that today, found screws he needed in toolbox. No spend required.I've put handcreams that I've found during rummaging by each sink and by my bed so they can be used during this extra hand washing.5 -
Sounding really organised. I have been mostly working from home for nearly a month now for which I am grateful. DH is in what I think is his second week - time distorts... We are both as busy as ever for work just without the commute - but grateful we can be home.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/252 -
Good shopping from home finding that useful wood in your loft, Purple Fairy. It's lovely that your daughter wants to learn how to knit. I've just learned today that one of the niche knitting areas I'm involved in has been recognised as a red-listed endangered traditional craft! I felt special for about three minutes, before remembering I'd bogged it up last night & need to unpick 2 very long rounds!
You're right that we are all going to need to find a 'new normal'.
Take care now,
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (29/100)
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)5 -
Sounds as though you've had a really productive day PF - I'm optimistic that I'm going to get loads done over this time - off to look for more hand cream right now.Not giving up
Working hard to pay off my debt
Time to take back control
https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=15
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards