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Learning to walk before I run
Comments
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Thank goodness it's the weekend - I'm allowed out the blimmin' house tomorrow!Busy day planned. Plasterers coming early doors, then two builders coming for site visits before quoting. I also want to try and get into Glasgow to claim some money that I handed in to a police station that is now mine for the keeping
And yes, Babe reference!9 -
Ooh, lots of money?5
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Me too 🤣!themadvix said:I got the Babe reference 😊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!!!6 -
Only ££ Al, but enough for freeAlchemilla said:Ooh, lots of money?
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Sounds like a busy period coming up. Hope you feel all better soon.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/255 -
Free ££- that’ll do pig 🐖MFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £3,100/£5,0006 -
Plasterer finished already - strewth! Mrs E says they've done a good job, but I'd assumed a whole day job based on the price. Hey ho, I hired based on glowing feedback, not cheapness
Got my free £50, spent most of it
First builder showed up. Seemed credible, but they're all very tax avoidy...
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But some renovations are not VATable I believe, so maybe they want to keep the 2 parts as separate issues.
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Great news on the plastering.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/255 -
Ok, so I'm definitely going to food hell for yesterday
Breakfast was rolls from a local greasy spoon, lunch chicken from a well know bearded gentleman and dinner was a takeaway burger. In our defence, the kitchen was out of commission from 8-8 as we tidied up and rebuilt!
Forgot to pay anything off the CC yesterday, so transferred £477.07 today. Also bought birthday presents for a nearby family birthday and a mother's day gift for my mum. She's a very difficult woman to shop for - spends her time travelling about between several different houses, isn't particularly acquisitive and doesn't have any hobbies that I know of! Got a nice hamper of luxury foods from one of the countries that she loves in the end.
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