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It looks stunning. Hope your husband's work picks up.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 29/7/252 -
savingholmes said:It looks stunning. Hope your husband's work picks up.
So glad we save when we can and that our MSE lifestyle means we haven't noticed him taking a 60% paycut, which is amazing really. He has had the time to complete all of our renovations on three rooms for less than £3000 including the new woodburner and carpet, which were all budgeted for anyway.
Now we tighten our belts, keep saving what we can and try to get the business up and running again. Onwards and hopefully upwards! xxNew 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 20253 -
The snug looks fantastic - what a transformation! I’m not surprised you’re pleased with it, and all on a budget too.
Hope things improve for your husband - I think people are beginning to think more normally again, so there’s hope that this will lead to work for him. Completely different field, but my work has picked up in the last couple of weeks as people emerge from ‘hibernation’. A wise move to give yourself the breathing space of the bounce back loan though.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 Hemingway3 -
The room looks lovely, and your garden
I hope things pick up for your husband soon
Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20223 -
Wow! The snug looks fabulous Woodfired.
Really hope business picks up for you.
Fortune x
Mortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais2 -
Ahh thanks everyone for your kind words and encouragement. A little bit of more positive news today, a small order placed by one of our customers and hopefully more in the pipeline, fingers crossed. Thanks again all of you lovely folks.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 20254 -
May the trickle of new work become a flood. I think the commentators are prophesying doom because it helps sell news stories but there are other encouraging signs in the economy. Things could bounce back more quickly than the pessimists predict.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 29/7/252 -
Hey woodfired - that looks amazing! One of my plans for the new house refurb is to expose the old fireplace, repair the brickwork and put in a stove. What kind did you go for? There seems to be such a lot of choice!Choose kind2
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SNug looks absolutely fabulous - and your husband has done a cracking job on it
Fingers crossed more orders come in and all is well again x
I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £204 -
savingholmes said:May the trickle of new work become a flood. I think the commentators are prophesying doom because it helps sell news stories but there are other encouraging signs in the economy. Things could bounce back more quickly than the pessimists predict.
Hazelnutty said:Hey woodfired - that looks amazing! One of my plans for the new house refurb is to expose the old fireplace, repair the brickwork and put in a stove. What kind did you go for? There seems to be such a lot of choice!
greent said:SNug looks absolutely fabulous - and your husband has done a cracking job on itFingers crossed more orders come in and all is well again x
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 20256
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