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Moving forward and upwards

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  • As someone who got quotes for my small kitchen, £5 sounds like a good deal. Like you, when I get a new home I will be going for top of the range materials. I haven't had a nice kitchen for decades so it would be important for me too especially as I like cooking. Like you I wouldn't change a kitchen very often according to fashion. I think timeless is the way to go if you can.

    Saving, planning and slowly getting the house the way I want it will be the way I am going to go to.

    It is nice reading your plans :)
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Hooray for a new kitchen, I am so envious. My kitchen is from the early 80s and will be about 15k+  to do up. I plan to do this when i retire so I will love to hear your plans for ideas.  I love your flat already i feel as if it is turning into the perfect home. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Let's raise a glass and say bye bye to the 6 year financial sentence 🍾 can't wait to see it off my reports as they update and hope I don't have to prompt them to remove it. 
    Still got under 4 years left for the A P mark and it's the last trace of the 'old me' 😃 

    TomBo has been doing a bit in the garden and took all the stuff we sorted out after moving to the charity bins.
    - That freed up space in the spare room.

    So far I've done none of my planned tasks 🙈 I've had no energy this week, however I've a long weekend to get started and space to move things around.
    - felt good switching the alarm off.

    £12 in the bank and 7 days until payday.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Cheers 🥂 

    it will be nice for you to have a long weekend but don’t overdo things and end up more exhausted & in pain 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy your long weekend
    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
  • Thank you Skinty and SH
    Unfortunately TomBo was on an early, but I managed to get a few more hours sleep after he left.

    Had a welcome letter from the utility company, but had to lodge another complaint as they have the building number as the supply address and not my flat 😶 
    The standing charge is 28p for electric and 30p for gas 😯 
    Hopefully some form of bill will arrive in a few days as I've not had an email from the complaints handler since my previous one.
    - I will log in later and see what shows on the account.

    I've also updated the supplier I want to move to.

    It's a cold one again today, but lovely blue sky.

    I may be going out to T later, however that depends on how TomBo feels when he gets in. We have the survey vouchers to use.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Ridiculous how useless the utility company are.

    I went to Mr T today as they have a section for ink cartridges. It felt safe and was a good shopping experience, but A and L are definitely cheaper.

    Same here weather wise. It is cold but clear skies and sunshine. It lifted my spirits :)
    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
    I could rant about them for ages DIA! 
    - I did a price check but they only had the building and not flat numbers 🙄 however other suppliers recognise there's flats, as does C1t1zen's price comparison site and the supplier I'm eventually moving to.

    We're not going out, maybe tomorrow instead as TomBo isn't working.
    - I do like saving up my loyalty points and being able to pick up clothes and things when doing the shopping makes it easier for me. I can't always wait for A1DI to do their specials.

    Got carried away with sorting things out. I did the boiler cupboard, half of the second bedroom, and some of the bathroom. TomBo is going to get it into the bins.
    - will try and make a start on the window surrounds tomorrow.

    Having pie for tea.
    Mortgage started 2020, aiming to clear 31/12/2029.
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