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Extending our house without extending ourselves beyond our means
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You are being very productive. Tackling the loft - now I am in awe!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 -
savingholmes said:You are being very productive. Tackling the loft - now I am in awe!2 of the 3 items bought down have been put to use. The other needs fixing, u tube videos to be sourced for that.Have received a text to say something we ordered pre lockdown is due tomorrow. We weren’t expecting it as they had sent us a £10 gift voucher as way of apology for the delay. Needs some prep work in the room where it is to go but it will give us something else to achieve during these strange times. Will see if it comes tomorrow.Need to dig a card out of my stash and get it in the post this week.Only 1 of my tomato plants has survived so will plant some more seeds if it’s not too late. Rest of seeds look ok, although OOD herbs haven’t done anything but will keep watering for a few days yet.3
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It isn't too late for tomato seed if you are going to be putting them outside. They won't be able to go outside until the danger of frost is past, second half of May down here in the SW. Try putting the pot the seeds are sown in on a warm windowsill, and cover with a plastic bag or clingfilm till you see the seedlings germinating. Make sure the compost is damp before you put the plastic over it. That should hurry them up a bit.2
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Randomly did manage to get a food slot today, click and collect and it's 20 miles but to be honest, the car and me both need the run! Thinking click and collect is better than having to do the actual shop still!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)3 -
Hope you got a delivery slot PF. My OOD tomato seeds have started to germinate. Not many but maybe 6 from a packet of 15/18? Am sticking them in a small lean to potting shed outside which they seem to be OK in.
V v v pleased that OH is taking to YNAB. As you know it was a COMPLETE gamechanger when my OH took over on this front. He loves the software and its focussed us both on debt reduction to an obsessive extent. 6 months in there is no looking back for us...
Have a good evening
Brizzle3 -
Glad your OH is helping Brizzlegirl
Good news on the delivery PF.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 -
Thanks all for popping by. Found some more tomato seeds and planted. Some coriander has also sprouted. Am watering the rest daily still due to the lovely weather we’re having.I felt much better yesterday after a couple of bleugh days. Inspired by the lovely brizzle I went out on my first run in too long. Was very good for the soul indeed.I also spent some time trying to follow a crochet recipe and I surprised myself by being able to produce an item. It’s far from perfect but considering a couple of weeks ago I didn’t know what Sc, dc or a magic ring are I’m reasonably impressed with myself! Even more so that they are something I won’t have to buy so very money saving. Will try another one today.Today is payday so money shuffle required. Although banking app isn’t playing ball just now so will try again later.Have some leftover puff pastry so will make jam tarts today with HM jam that we’re still working through from last year.6
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Tarts sound lush - well done on the crochet!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)3 -
Crocheting and jam tarts both sound goodAchieve 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 -
Have done the money shuffle. I also spent an productive hour this morning updating my budget spreadsheet so it's simpler. It's evolved much over the years and although I can follow it, I want to be able to explain to DH my process.I also moved some money to my ISA. Not the best rate of interest, but the best with my back outside of regular saver, which we are doing. Will get DH to open one today too now his regular saver is set up. He will also sign and send the paperwork back for another regular saver. We can post on our walk today.Yesterday was good, having doors open and fresh air through the house felt really summery. Rounded up some veg and some homemade spice mix to make fajitas which wasn't on the meal plan but useful for use ups.Spent an enjoyable evening with DH watching a programme and crocheting. Also did my language practice. Day 33. Will do again today.Luckily the house is mainly clean and tidy and just need to do a bit and keep on top of it. May try and start some decorating with supplies we have as it looks a bit grey here today.5
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