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Midlife Musings and Measurable Goals

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  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on applying for the bursary. Boo to accidentally deleting some work. Hope you had a relaxing evening.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • beanielou
    beanielou Posts: 95,475 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the bursary application.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • mark55man
    mark55man Posts: 8,205 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    not sure if helpful but there may be ways to recover the file, but if you only lost a little work it may be quicker to redo as recovery can be fiddly and pointless

    I recall you had a MAC so - https://www.cleverfiles.com/howto/recover-word-document-mac.html

    Hope this helps - if not there should plenty of youtube how-to's
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • doingitanyway
    doingitanyway Posts: 9,920 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Thanks Mark but probably quicker to redo what work I lost...

    Today I signed up so I could stream a film on my computer. The film was great! Never done this before (believe it or not) so breaking new tech ground as per my goals. Told you I had luddite tendencies ;)

    It's a bit early in the year to feel despondent but I do today all the same. The enormity of getting the bathroom, kitchen, fascias, plumbing, new windows and fascias overwhelmed me. My neighbour is throwing food (sandwiches/fish and chips!) in their front garden for the foxes I assume, although it is a matter of time before rats join in. (I'm not complaining to the council as I plan to move this year if I can) Really fed up of living in this house right now...

    Just letting off steam. Onwards and upwards. So, I will call the window company tomorrow and chase the 2 new windows. Sigh.

    On the bright side? Finished reading a great book, a few YS bargains for the freezer, I spoke to my friend in Sydney and none of her family are directly affected by the bushfires :j

    Hope you are all having 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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Sorry to hear of you feeling down today DIA .
    Imho, from what you've told us just now, I think the fascias is the priority. Those toe rags that you have for neighbours are extracting the urine, but you are doing the right thing by saying nothing .

    Regarding the other jobs, it seems like you should assess 3 people for either the bathroom or kitchen only . Then , if you get lucky you could ask them to do either the bathroom or kitchen . Hopefully the plumbing would be sorted by them . Make sure when assessing them you listen as to how they want payment etc .
    James, the chap I found emailed me quotes for bathroom and took payments every so often . I didn't like the sound of the previous chap I assessed who wanted 50% up front and promised the Earth .
    You probably know all this anyway , but it's just a reminder as you have a lot on your plate .

    Anyway, hope the week gets better..
  • Could you get away with not doing the jobs on your house and pricing it accordingly, or would that be a daft idea.

    I hope your applications for bursaries are successful , they will help with your expenses.

    Have you done anything with your car yet ?
    Life is an adventure, never stop exploring.

  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If you are moving, then I wouldn't bother doing anything to the bathroom and kitchen, most people would prefer to put their own stamp on a property. As long as they are functional, just make sure they are clean.

    Have you checked with an estate agent as to whether it's worth getting the work done? It may be better value to just price your house accordingly as sunshine girl says.
    "If you can dream it, you can do it". Walt Disney
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi DIA

    What a nightmare neighbour. I understand why you can't complain but am with you in wanting you to be able to move asap. Sorry you're having a tough time.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • doingitanyway
    doingitanyway Posts: 9,920 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sorry to hear of you feeling down today DIA .
    Imho, from what you've told us just now, I think the fascias is the priority. Those toe rags that you have for neighbours are extracting the urine, but you are doing the right thing by saying nothing .
    Anyway, hope the week gets better..
    Thanks AC I appreciate the support, and I agree the fascias are the priority. The problem is finding a tradesperson :(
    Could you get away with not doing the jobs on your house and pricing it accordingly, or would that be a daft idea.

    I hope your applications for bursaries are successful , they will help with your expenses.

    Have you done anything with your car yet ?
    Thanks SSG2 Not a daft idea at all. The EA says I will lose out overall if I don't do superficials but we shall see. Definitely still an option for me.
    Nothing done on the car :o
    I'm pleased say I've applied for a bursary and a fellowship. I may not get either but I'm glad I am getting them done.
    jwil wrote: »
    If you are moving, then I wouldn't bother doing anything to the bathroom and kitchen, most people would prefer to put their own stamp on a property. As long as they are functional, just make sure they are clean.

    Have you checked with an estate agent as to whether it's worth getting the work done? It may be better value to just price your house accordingly as sunshine girl says.
    Thanks Jwil :) Yes, I saw an EA a few years back but may do this again. Good idea.
    Neither my bathroom or kitchen are functional or clean and that is the issue I'm afraid/embarrassed to say :o
    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
  • doingitanyway
    doingitanyway Posts: 9,920 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Hi DIA

    What a nightmare neighbour. I understand why you can't complain but am with you in wanting you to be able to move asap. Sorry you're having a tough time.
    Thanks Savingholmes :)
    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
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