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Tales from The Shire

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Comments

  • SandyShores
    SandyShores Posts: 2,030 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    I love a 'no cook' day too, especially if its a 'no spend' day.  :smile:
    "Think of many things, do one"
    Mortgage 30Jan'26 est. £204,205 £309,749 2020 (ends 2038 - aiming for 2031)
    Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga 

  • Apparently there’s also a problem sourcing glass but that may be particular to NI.  
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • Cheery_Daff
    Cheery_Daff Posts: 18,043 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Gosh, that's a hefty windows increase!! 😮 Does sound like it's worth doing though. Impressed at you replacing field gates too - you're much more diligent than me. Several of ours have fallen off and we've just left them lying in the field 😂
  • beanielou
    beanielou Posts: 97,757 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That is a massive increase.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • rtandon27
    rtandon27 Posts: 6,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    WOW!  Fortune that increase is just incredible - I'm floored!
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)
  • savingholmes
    savingholmes Posts: 29,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Excruciating increase. Have you double checked with further quotes?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.1K updated 14/11/25
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