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Extending our house without extending ourselves beyond our means

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  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 6/7/25
  • PurpleFairy26
    PurpleFairy26 Posts: 3,903 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    You are being very productive. Tackling the loft - now I am in awe!
    Definitely DH area of expertise! We put lots of extra stuff up there when we demolished the garage pre extension but now we have the extra loft space from the build we are trying to be more organised up there. Thankfully we spent lots of time sorting before we put the stuff up there so there shouldn’t (in theory!!!) be too much rubbish up there it just needs organising. 

    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. 
  • DawnW
    DawnW Posts: 7,748 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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.

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    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)
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    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... :smiley:

    Have a good evening

    Brizzle 
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 6/7/25
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Tarts sound lush - well done on the crochet!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • savingholmes
    savingholmes Posts: 28,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Crocheting and jam tarts both sound good
    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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