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2020++ - smiling and waving and looking so fine
Comments
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Loving reading the plans for the renovations, sometimes it takes new plans to get our butt into gear! I think this weekend for me is a pretty free weekend so I might possibly tackle a trip to our local tip. My car could also do with a clean so think that might be on the agenda too.4
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The good thing about our plans is that to keep the cost down I've agreed to do all the tip runs so my car is excused from being cleaned.
New Shed (only 6x4 so not a man cave!) arrived this morning 07:30 !!!!!! - lucky I was up - not always the case when WFHI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Plans are good. Sharing an Einstein quote: Life is like a bicycle. To keep you balance, you must keep moving.
Have a good day.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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20255 -
Exciting plans! I'm very jealous that you got a tradesperson so fast... we're having our bathroom done soon, but the guy we use had an 8 month waiting list, so he's not due to start until March :'( He's fab though, so would rather wait than risk using someone unknown.
DFD March 2025 (£35000 paid off)
FFEF £20000 saved
Currently treading water while having cancer treatment and trying not to dip into FFEF too much!5 -
Thank you OSHDTH, yes we had been messaging towards the end of last year, but then his other job cancelled and we got to do it early - like I'm coming tomorrow!!. Its been like Piccadilly Circus round here so far this week we have had the following delivered
* 2 ton of Type 1
* 1 ton of sand
* 10sq m of Vinyl floor
* Bathroom shower & suite
* Bathroom tiling
* Garden shed
* 4 packs of 10 slabs
* 3 bags of concrete
* Two radiators
* A partridge in a pear tree
Just waiting for some gravel and then we're done on Phase 1 (although will need the garden furniture - but OH wants to see the space before deciding on that)I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Thank you OSHDTH, yes we had been messaging towards the end of last year, but then his other job cancelled and we got to do it early - like I'm coming tomorrow!!. Its been like Piccadilly Circus round here so far this week we have had the following delivered
* 2 ton of Type 1
* 1 ton of sand
* 10sq m of Vinyl floor
* Bathroom shower & suite
* Bathroom tiling
* Garden shed
* 4 packs of 10 slabs
* 3 bags of concrete
* Two radiators
* A partridge in a pear tree
Just waiting for some gravel and then we're done on Phase 1 (although will need the garden furniture - but OH wants to see the space before deciding on that)
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
The partridge in a pear tree is my fave...
Good luck with it all. Will be great when they're done.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 20282 -
true SH - I hoped someone would spot that - even though it was about a month lateI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Sounds like some great plans underfoot! Bet you cant wait for it to be done 😊
And nice work on the accounts, I find separate accounts so useful to prevent spending money that's actually ear marked for something else.Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
Emergency Fund Target: 3 months saved ✅
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It was spotted here too, and made me chuckle!mark55man said:true SH - I hoped someone would spot that - even though it was about a month lateGood luck with all the works!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2
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