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1 brick at a time
Comments
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That sounds really positive, I'm glad you've found the peace you were looking for.
You may get some extra ideas for your home from the viewings as well!If it's not adding up, compound it!3 -
It sounds like you made the right decision for you. And it will be fun to look on the net and see ideas of what people have done with smaller gardens. I have been amazed at what some have done with a small space, and it will make you love your house even more.Mortgage start date Dec 2015 - $64,655.00
Mortgage end date Dec 2045 - NOT!!!!
Mortgage balance - $4600.00
Business Savings $43,310/100k
Hope to be mortgage-free by end of 20232 -
That's a good point, I haven't really looked that way tbh so yes will give me a new obsession haha.LeighofMar said:It sounds like you made the right decision for you. And it will be fun to look on the net and see ideas of what people have done with smaller gardens. I have been amazed at what some have done with a small space, and it will make you love your house even more.
We ordered some new blinds today, the quote came in lots cheaper than we thought so I'm really pleased and looking forward to getting them. Carpet next 😊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 swimming2 -
We looked at 2 houses yesterday and although nice it has further consolidated our idea that we do not want to move.
OH needed some work on his car done but managed to save around 130 on it so pleased with that.
Not much survey wise atm as I have been working the last few days.
We need some plastering done in the house and have had quotes so that may be next in the list.
Not far off saving 14 months so going to try and pickup the pace a bit.
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 swimming3 -
I’m glad you’ve made your decision. I was looking for houses last year and they didn’t come close to my house that I’m in with regards to room sizes and gardens so I decided to stick where I am and bought it off the Housing Association and now I can do what I want to make it perfect!Don’t get me wrong there are millions of better houses but not within my budget so it’s better to make the best of what we can afford than living beyond our means for fancy areas and gardens you’ll never enjoy because you work a million hours a week to pay for it.Mortgage started August 2020 £69,700
Mortgage ends Aug 2050 MFW: Aug 2027
Current Balance: £58,678
MFW2020 #156 £723.13
MFW2021 #26 £1184.71
MFW2022 #11 £197.87
MFW2023 £785
MFW 2024 £528.15Determined to make it!6 -
So true ftb!!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 swimming1
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Sounds like you made the right call for you. Is there any space eg under the stairs where you could put a downstairs loo or is it completely off the cards? My sister managed to carve a bit off her utility to put one in... Same with an ensuite - are there any options? They do make a positive difference.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Thanks SH, no real space for en suite and not sure about downstairs loo, will have a think and chant to OH.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 swimming2
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11.72 paid to the mortgage today so that's 82.52 towards the 147.57 target leaving 65 to findMortgage 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 swimming4
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Great work 😀Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!2
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