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Prosperous soul in the making
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Thanks Mark and MF. Hope the ceiling painting goes well for you HSL. I really ached after what I did yesterday - doing the ceiling in the kitchen and repainting the kitchen and utility walls a light grey. It looks majorly better though. Instead of more work today - I was kind to myself and took myself off to a local posh pub for nearly 4 hours. I started with cafetiere coffee and chocolate brownies before moving on to my fave soft drink and steak and ale pie and chunky chips. The portions were huge so I was very happy. DS has gone back to his co-working space today to escape the noise. DD tripped over my step stool yesterday and her foot apparently hurts too much for her to go to 6th form today.
The counters are going in as we speak and the parts they have done so far look really nice. I think I chose well. They still need to do the cut out for the sinks and the hob. I think I've reached that tipping point of just wanting to move - and take the consequences - assuming anyone will lend us money on the types of properties and locations we are interested in. It could take 3-6 months to move anyway - and if we want to get in before the stamp duty change - we need to get a shift on. I'm hoping to start get EA valuations after the kitchen is done - and ask them where I am best spending any £ to get best value. I'll also ask my neighbours who recently sold as they are great 'home stagers' and photographers.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/256 -
Lunch sounds fantastic and like you very much needed it.
Hopefully DD will feel better tomorrow.
Worktops make a huge impact when viewing a kitchen, fingers crossed your guys get it finished today.
You will be so much happier now you've making the decision, it's been a hard one to make.
Mortgage started 2020, aiming to clear 31/12/2029.3 -
Looks good so far. They only chipped on tile which saved a job. They reckon they can make it look good tomorrow. We need to re grout some tiles in the utility. Hob not yet wired in as oven moving.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/253 -
Sounds like you've some good lads doing the work.Mortgage started 2020, aiming to clear 31/12/2029.3
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Friends of ours. Thinking of leaving oven as is now and moving our Fridge freezer from a distant corner into the gap instead. I have now also booked off tomorrow. I am planning to return £400+ of stuff.
We were worried we didn't have enough sockets for oven but now realised there is one spare from the ignition for our old gas hob. Our new hob needs 32 socket where oven currently wired in but the oven itself is by a 13 amp so will swap them.
Car cost £172 today but garage said good car. (DH's). I need to check if my car is due a service. No warning came up though but hit over 40,000 miles. I have a feeling my service came early last year so may be ok. It is every 20,000.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/254 -
Kitchens seem to be the one room there are sufficient sockets.
Great news about DH's car, that's reassuring for you. Hopefully your service won't be too much, when the time comes.
Good luck with the return, don't get going back round afterwards!Mortgage started 2020, aiming to clear 31/12/2029.3 -
MovingForwards said:Good luck with the return, don't get going back round afterwards!
Still need new carpets for stairs and our bedroom. Want to arrange professional painting of hall stairs and landing. Paint b4 new carpets.... DH thinks that the lounge and study should be done professionally too. Need some quotesAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/252 -
I think we are alike. I would get the refund and think yay I can buy X, Y and Z now. There are some very nice units around.
Would the lads to the painting or be able to recommend people? Lounge I would possibly agree with as again it's the wow factor, depending on the size of the study ie box room, no do that yourself, slowly to try and save some money, unless you get quote for with / without it.
Do you definitely need new carpets, or would getting a carpet cleaner in make them look fresher / newer.Mortgage started 2020, aiming to clear 31/12/2029.2 -
The cat stained the stair carpet. We have been here 14 years and not changed it.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/253 -
Ahhh, yours took a dislike to it too, that's why my lounge one came up!
See if there's something in a sale, to keep costs down.Mortgage started 2020, aiming to clear 31/12/2029.2
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