We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Tales from The Shire

1248249251253254309

Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the yellow theme

    Glad decorating costs lower than expected

    Good that you are writing again too
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Love the yellow theme

    Glad decorating costs lower than expected

    Good that you are writing again too

    Thank you SH 😊

    Glad to hear the kitchen has turned out well, despite the issues with the paint.  I'm partial to a bit of yellow myself and we painted the largest wall in the hallway leading up the stairs in "mustard pot" a couple of years ago.  Always makes me happy when I come home and see a sliver of it through the window.  DH loves blue so most of our upstairs is various shades of blue (it's supposed to be calming I think, not sure it's working!)  

    Colour makes such a difference to mood doesn't it @ruby_eskimo.  We do have other colours in the house but yellow seems to be the predominant hue now.  We have a mid-blue in our guest room which makes it lovely and calm.  I'm wondering whether to go with a pink in our bedroom now though - just to have a little variety 😆

    Fortune x

  • beanielou
    beanielou Posts: 96,766 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I have blue & pink in my bedroom  :)
    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.
  • beanielou said:
    I have blue & pink in my bedroom  :)

    That sounds really pretty @beanielou.

    Fortune x

  • rtandon27
    rtandon27 Posts: 6,098 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Tell me you are not still in the annexe! 5 hours of cleaning is not good for anybody!
    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)
    New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)
  • beanielou
    beanielou Posts: 96,766 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope that you have survived!
    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 said:
    Tell me you are not still in the annexe! 5 hours of cleaning is not good for anybody!

    Don't worry - I'm back!  I only went in for an hour but had other chores in the house I wanted to get done 😆

    beanielou said:
    Hope that you have survived!

    Alive and kicking Beanie!  Although a long hot soak in the bath is on the cards for later.

    Fortune x

Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 600.9K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.