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Light the fire...

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Comments

  • lucielle
    lucielle Posts: 11,726 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wow you have been busy.  Like the sound of the breakfast bar and stools
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    It all sounds lovely.
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounding really fabulous. Great that you have been able to enlarge the space too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • woodfired
    woodfired Posts: 417 Forumite
    Eighth Anniversary 100 Posts Name Dropper

    Quick post from my phone to show before & after of the snug.x
    New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 £193 313 Jan 2025 Currently: 184 927 Jan 26

    Mortgage Advance: £27 000 April 2022 £22 450 Aug 23 £19357 Jan 2025 Currently: 18 564 Jan 26

    Business Loan: £89 000 Jan 2023 £44 499 Aug 23 £33 382 Jan 2025 £21000 Jan 25 Currently: £51000 (Remortgage/Consolidation)
  • woodfired
    woodfired Posts: 417 Forumite
    Eighth Anniversary 100 Posts Name Dropper
    Oops, missed these! Apologies that the images are MASSIVE! 😂

    New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 £193 313 Jan 2025 Currently: 184 927 Jan 26

    Mortgage Advance: £27 000 April 2022 £22 450 Aug 23 £19357 Jan 2025 Currently: 18 564 Jan 26

    Business Loan: £89 000 Jan 2023 £44 499 Aug 23 £33 382 Jan 2025 £21000 Jan 25 Currently: £51000 (Remortgage/Consolidation)
  • Mrs_Money_Penny
    Mrs_Money_Penny Posts: 1,343 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Looks absolutely beautiful Love the colour scheme x
    2026 Decluttering 1682
    2025 Decluttering 17207⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
    2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
  • woodfired
    woodfired Posts: 417 Forumite
    Eighth Anniversary 100 Posts Name Dropper
    Looks absolutely beautiful Love the colour scheme x
    Thanks MrsMP, we are pleased with how it worked out.x :blush:
    New Mortgage: £240 999 7/2/20 £ 205 000 Aug 23 £193 313 Jan 2025 Currently: 184 927 Jan 26

    Mortgage Advance: £27 000 April 2022 £22 450 Aug 23 £19357 Jan 2025 Currently: 18 564 Jan 26

    Business Loan: £89 000 Jan 2023 £44 499 Aug 23 £33 382 Jan 2025 £21000 Jan 25 Currently: £51000 (Remortgage/Consolidation)
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