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Extending our house without extending ourselves beyond our means

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  • savingholmes
    savingholmes Posts: 28,937 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the PPI payout. Good to plan how to spend the increased time at 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 6/7/25
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Lovely ideas. We are planning similar stuff and yes lots of online yoga classes.

    Stay safe and well

    x
  • PurpleFairy26
    PurpleFairy26 Posts: 3,903 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    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. 
  • savingholmes
    savingholmes Posts: 28,937 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 6/7/25
  • foxgloves
    foxgloves Posts: 12,533 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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 x
    2025'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)
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Sounds good PF xx
  • savingholmes
    savingholmes Posts: 28,937 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 6/7/25
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