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Prosperous soul in the making

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Comments

  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Sounds like you've some good lads doing the work.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the return, don't get going back round afterwards!
    Erm.... It really is like you have met me. Thinking of getting new washbasin units while I am there. Then get them fitted before house goes on the market.

    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 quotes
    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 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,154 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    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.
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