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Project Mortgage Neutral Begins

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  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    The gardener is going to do the tidying up jobs in the front and back garden for a price nearly half of what I had set aside as I didn't have a clue and it will be done the week after next.  He has given me some great ideas for my long term design plans out there.
    I went for a walk to get shower sealant ready to attempt replacing it myself, I am a little scared in case I get it wrong but I am sure me and my good friend y0utub£ can do this.  For the rest of the day I have alternated between playing a game on my kindle, knitting and reading replies to a post I put on our triathlon club page to boost our community and learn a bit more about each other.  Tonight I might start a jigsaw, I am trying to keep variety going at the moment.
    Tomorrow I am going to tackle the shed so wish me luck.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the shed. Glad you managed to get a gardener at a decent price. Good that you sorted formula for your friend too. I've had some more art supplies delivered so we could do art stuff. We have plenty to do in the garden and the house. MIL and BIL are coming tomorrow - after that don't expect to see family for months. Picking up DS from uni on Tuesday at the earliest as he has cold symptoms and I have a medical appointment I can't miss. If it gets cancelled though we will get DS earlier. We had to self isolate for the last week - as DH was exposed to someone a week earlier from the States (ironic I know) and it took a week to find out. We are out of it now so nipped to the chemist and did food shop in store and online as couldn't get everything.

    Glad you are getting some food in.   
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    savingholmes I don't live that close to my family, the closest are 250 miles away.  It is a strange thing though, I have an elderly nan in a home who my parents would normally see daily but the home has been locked down for over a week now.  My mum and dad are having to self isolate due to their medical conditions and my sister and niece live about 450 miles away.  I guess we were lucky as we saw each other twice in a week around the funeral so we just got out annual visits in early. 
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've just organised a package to be sent to my little nieces and nephews to break up their boredom. I remember how exciting it was to get a package as a kid so hope they feel the same. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I've just organised a package to be sent to my little nieces and nephews to break up their boredom. I remember how exciting it was to get a package as a kid so hope they feel the same. 

    I love this idea, I have already thought about getting puzzle books to send to my mum and dad as I am sure they will finish the ones I bought for Christmas very soon!  I might think of something I can send to my sister and niece too.  I have already bought 2 lovely cards, one to send to my nan and one to a dear friend of mine.
    As much as I am not a fan of this I do think the world was getting to breaking point and I like to think this will give people time to take stock and appreciate what they have, or maybe they will when they stop panic buying.  I do fear that life as we knew it will not be the same for a long time, even if/when corona virus disappears businesses etc will take a while to bounce back.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • ajmoney
    ajmoney Posts: 6,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hmmm can't say I am doing overly well with the new guidelines knowing I won't see anyone for at least 3 weeks, I was already pretty isolated but now that is all I have.
    I am meant to have someone from $c$ coming out today to look at one of my new chairs as the spring went a month ago but no idea if they will still come, I guess I won't be going anywhere to worry.
    So my first challenge is to see how long I can make the fuel last in my petrol tank as I will only be driving to the supermarket. I think I can still get by with not shopping until tomorrow although when clarifying how people could limit shopping yesterday Nicola Sturgeon said limit it to once a day... I am hoping if people are still panicking they will panic today and there will be stuff on the shelves tomorrow. I am proud of my organisation though as I only need milk and potatoes.
    MFW 2025 No. 7 £1130/£1200
    MFiT-T7 No. 6 £2873.51/£30,000
  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's good that you are structuring your day. My DH is mowing the lawn - the second time in 2 weeks - it is almost unheard of - but there have to be some benefits to this situation right? Just hoping and praying that we get our own 'passover' and escape without harm from this situation. We can work from home - and I am reasonably enjoying it. It is getting lighter and brighter outside which is also nice. We still need  to go to the chemist to get a prescription but hard to know when to go - as last time there were 40!!! queuing and no social distancing so we left.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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