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Moving forward and upwards

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  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you SH, I do feel alive when I'm pottering around it. This year I will get seating sorted out to take advantage of the sun.

    What I must do is find some dedicated winter gardening clothes, then I can be in it almost year round. Maybe thermals and ski gear or a water heated / circulating jumpsuit 🤭
    Mortgage started 2020, aiming to clear 31/12/2029.
  • atrixa
    atrixa Posts: 549 Forumite
    Sixth Anniversary 500 Posts Photogenic Name Dropper
    Great work on the survey points and Happy New Year!
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    OMG to your nail. Good luck with the pain.I hope you find something nice winter gardening clothes. Pop into my garden i havent been in it for ages!!!! 
    Aiming for a minimal spend 2022
  • doingitanyway
    doingitanyway Posts: 9,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sorry to hear about the broken nail, sounds painful.
    Great use of survey points and nice to look forward to time in the garden again. 
    Please to hear your pain meds are being sorted.
    I'm looking forward to hearing about your house and garden progress in 2021.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks Atrixa! 
    I've tried to get a head start on you with the DIY. The draft excluder is down one wall/floor section and I got most of the excess paint off the glass on the lounge door.

    I'm thinking with the DIY to break the year up into quarters. The first quarter is doing the hall/ porch and finishing the couple of bits in the lounge. This way I can pace myself and spread costs over a few paydays 😊

    DIY plans for Jan - Mar
    Hall / porch:
    - paint upper walls / ceiling
    - paint lower walls (£20)
    - put a few coats of gloss on the woodwork (£8)
    - fit hooks and hang new shades (£1.00)
    - replace all door handles (£70)

    Lounge:
    - drill out / fit unit handle
    - fit remaining draft excluder
    - replace window frame seals (£10)
    -- I will be doing all the windows in the flat

    Makes it sound so easy 🤫
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If only a list miraculously transformed into action.... You'll see it through though I'm sure.
    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
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Haha SH, maybe I could click my fingers or wiggle my nose and it's done!

    I'm going to do a proper colour scheme in the bedrooms, bathroom and hall / porch, hence why paint costs are being accounted for.

    The only room which won't be touched this year is the kitchen, that needs a lot of money, planning and thought for a temporary makeover; I still find it a hideous mess!

    I'm also going to try and squeeze in painting the communal walls and ceilings over summer, if I've got enough saved; that's white ceilings and upper half walls and colour lower half walls. Even if I do my floor this year, ground floor next etc it's all going to get done over time.

    Thank goodness I've got 2 weeks holiday carried forward huh 🤭
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I wish I had extra holiday. Normally buy 2 weeks extra but didn't this year
    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
  • Irenadler
    Irenadler Posts: 884 Forumite
    500 Posts Third Anniversary Name Dropper Combo Breaker
    Enjoying your plans Babs! Lovely to read your progress - definitely little and often. It is inspiring me to do something with this place. It's not exactly a hovel, but, is definitely needing at the minimum redecorating. 
    "...when you have eliminated the impossible, whatever remains however improbable, must be the truth..."
    "Mastering a low budget lifestyle now, means you are set for life" quote by 'Miss Babs'

    Dog's 'Pot o' Gold' = £23.85
    Household maintenance = 0
    Prolific Academic = £41.64
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Your plans sound great. I am thinking about the garden for me. 
    Aiming for a minimal spend 2022
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