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Learning to walk before I run
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edinburgher said:They've gone - the ******* have gone!!!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!!!5 -
I hope your silence means you are just enjoying your home again.Mortgage End Date: Apr 36/Aiming for Apr 28/Current Dec 32
Mortgage OP 2025 £5350/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £37,597
2029 Holiday fund £356/7000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
@elantan - yes - happy bar the 9 weeks of stress we've had to bear. Apparently our neighbours are raging as we never notified them builders were starting? Pretty sure I did, but will make grovelling apology with flowers and chocs come Wed
@South_coast - all finished and tidied bar the refusal to do the stairs6 -
Glad you are sorted. What a relief for youAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £175.8K Equity 32.38%
2) £4.3K Net savings after CCs 13/5/25
3) Mortgage neutral by 06/30 (AVC £20.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 26.3/£127.5K target 20.63% updated 16/5
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.4K updated 16/54 -
Hopefully the cleaning team can be in and out tomorrow and you can start to build your new normal family life. You should ask the deep clean team to bring anything that is damaged to your attention too. Bad Naughty builders sometimes try to hide things they have broken or damaged (your main contractor may or may not know about these).Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here5 -
@Suffolk_lass - good idea - I am sure we have some surprises yet to come. One unpleasant surprise was discovering that there was also minimal damage to the roof of each of the built in cupboards on the first floor of the house. We probably should have expected this after the mess they made of our ceilings but we haven't had access to most of the cupboards for months. It's not the end of the world (nothing a quick sand, bit of white filler and a roller of paint wouldn't fix), still annoying as plaster dust has rained down on the contents of said cupboards!The cleaners arrived bright and early and raring to go. Unfortunately one of them had a phobia of cats, so she was banished upstairs until we could get the cats out
Directly before they arrived I'd discovered a dead mouse in one of the bedrooms. The living room was covered in feathers as well and we thought there was a dead bird under one of the couches. It transpired it was a live bird and the cleaners arrived just as I was dripping with sweat having lifted our 4 person couch one handed to crawl under it and try and shoo the bird away. I eventually managed to get it (alive) out of a window, but it wasn't the start to the day that I had planned
I ordered some fun bits and bobs last night including wooden door wedges (plan is to keep doors open during the day as they're heavy for children to open), self adhesive felt for under furniture, adhesive gel corners for our fire door closers (they're bulky and dunt the wall if you open them quickly) and a new set of kitchen scales to replace the ones that the kitchen painters accidentally sprayed white. I know that's probably a super boring list, but I like household stuff
I have been paid today, so will do a wee bit of virement. £7.60 withdrawn from Prolific and paid into my SIPP (£9.50 after tax relief). Home tomorrow!10 -
Yay!! Woohoo for being finished and clean 🎉MFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £1,700/£5,0005 -
Ed, that's wonderful! Always a few reservations around building work, of course. But great to get it clean and liveable, and the touch-up bits are doable by you. Amazing that you managed to get the bird out yourself!2023: the year I get to buy a car4
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Great to hear Ed, you must be breathing a sigh of relief, enjoy your "new" home xxx4
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Great that your home is yours again! Has the champagne been popped yet? 🍾4
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