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Moving forward and upwards

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you found your book and saved £10 on shelving. It all adds 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 29/7/25
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Yum to bolognaise and to sorting the bathroom. You have just inspired me to do the main bathroom tomorrow. The windows need a real clean. Well done on going to the garden i cant face it mine is soaked and cold and full of weeds. Good luck with painting section. Roll on payday. 
    Aiming for a minimal spend 2022
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on decluttering
    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
  • atrixa
    atrixa Posts: 549 Forumite
    Sixth Anniversary 500 Posts Photogenic Name Dropper
    I know what you mean about the caulk gun, I was using a slightly knackered one for ages until I replaced it and it can give a nasty cramp. Are you able to donate stuff where you are? I've had a bag behind a chair in the living room destined for the charity shop for ages, but only one shop in my town was accepting donations before lockdown.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your efforts are paying off. We had pork for tea too
    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
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi MF, 
    That doesn't look too bad for your fuel costs, although I would still ask for a discount if you can't see one, nothing ventured nothing gained and all that. 
    So glad you located  your book, I hate the feeling when you have lost something of importance and can't locate it. Not sure if Tombo is similar to my OH who's idea of tidying is shoving everything in a drawer and then doesn't understand why I have to sort it out and why it takes a while to locate things.
    You sound like you are making great progress with organising and sorting everything there. 
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you SH and LW2G

    The bills are not too bad for an old flat and certainly not much more than the two rentals were. Means I don't have to worry about switching the heating on in winter 😊

    There's definitely no discount although the meter readings are correct. I've also not yet heard from my supplier and the address on my account still doesn't state my flat. It's really annoying me!

    We effectively downsized for this flat as there's not the cupboard space like there was at the last one. As you know I decluttered a lot of my clothes and shoes, TomBo did a bit.
    What I've got left is carefully folded or rolled to fit in my storage, TomBo just throws his in which wastes space, on top of that he buys things regularly; he doesn't follow the one in one out rule  🙈

    Somehow I will be having the second bedroom as a bedroom and art / photography room!
    Mortgage started 2020, aiming to clear 31/12/2029.
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