📨 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!

Light the fire...

Options
1404143454669

Comments

  • woodfired
    woodfired Posts: 404 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    What a difference a day makes! Raining and cool here after stunning sunshine and baking heat for weeks!  It makes starting my VAT return more bearable though, I must admit.  It's also much needed for the garden and fields.

    We've been keeping busy over this way, DH is making lots of progress on his garage/man cave. :lol: The woodburner has been installed, it's mostly all ready to plaster, the first fix of electrics have been done and the bi-fold doors (£100 on clearance from a local window place) are installed and just waiting for the glass to be fitted. We also spent a couple of hours cleaning all of the moss from the garage roof which now looks so much better.

    The garden is looking good, mind you it should be, the amount of hours I seem to spend looking after it!  It has been taking ages to water everything in the heat.  But the peonies, geraniums and honeysuckle are out and the roses are almost there too.  The veg is all looking strong and healthy and my first courgette is growing, no doubt i'll be sick of them in a couple of months!

    The mushroom compost I moved to huge builders bags round the back of the garage, mixed with some grass cuttings for nitrogen and gave them a good watering before covering up.  A week later I gave it a stir up with a fork and it smells totally different, more like manure, and looks so much better.  It was getting nice and hot too so must be rotting down properly.  Hopefully in a few weeks i'll have much more usable compost.  One bag has had the dry moss mixed in too, not sure how that'll turn out but it was worth a try!

    Elsewhere, the skip was collected today so we have much more space back on the drive and we are planning a big bonfire this weekend to get rid of all the bits of wood we have lying around that can't go in the woodburners.  The place should look much tidier when that is done.  We have a little more building work planned in the snug before it is re-plastered, painted and re-carpeted but the front room fireplace has been plastered and is ready to be painted (I was waiting for the bad weather!)  Then we should be able to have a bit of a rest. :lol:

    In money news, I rounded our mortgage down to the nearest £500 with a £220 OP, then went and tidied a few accounts and withdrew some cashback to find another £250 OP, so £470 overpaid already in June and a balance now of £247250.  Happy with that but will aim to wipe off that last £250 at some point during the month. :wink:

    New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 Currently: £193 313 Jan 2025
    Mortgage Advance £27 000 April 2022 £22 450 Aug 23 Currently: £19357 Jan 2025
    Business Loan £89 000 Jan 2023 £44 499 Aug 23 Currently: 33 382 Jan 2025
  • Needhelpsaving
    Needhelpsaving Posts: 1,083 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Wow, you have been busy! I have no doubt you will hot the other £250 OP target before you know it x
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • themadvix
    themadvix Posts: 8,750 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    So much progress on so many fronts - well done! And a great bargain on the bi-fold doors!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So much progress and great OPs. I hope your rose recovers - it may send up  new shoots. I have a hand sized single rose on a plant I nearly got rid of but it looks stunning even though there is only one!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think you were probably due for a rest. You have achieved loads in a short period.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think they all sound like good investments. An extra breakfast bar in particular will add value if and when you ever come to sell. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.1K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K 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.