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Learning to walk before I run

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Comments

  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you had a great family catch up.

    I considered mowing my lawn today but there were 2 bumblebees enjoying the flowering clover and I couldn't do it. I could get a sign made.... like they have at NT properties so people judge me less  :D
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • Suffolk_lass
    Suffolk_lass Posts: 10,936 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you had a great family catch up.

    I considered mowing my lawn today but there were 2 bumblebees enjoying the flowering clover and I couldn't do it. I could get a sign made.... like they have at NT properties so people judge me less  :D
    DH cut a couple of paths through ours, so it looks a bit more intentional. I have tried to stick to them with pup as the long grass and flowers almost hide him. 

    Gosh ed, we get our aggregate delivered in ton bags from a builders merchant (it is usually a lot cheaper). Re membrane, we have used several (in under gravel, drive, path projects over 15 years) and this stuff is the best and lasts years (more expensive but no re-doing) if you were not thinking of buying and installing today (being German, it takes a few days)
    Save £12k in 2026 #2 I have banked £865.15 in January against a £10k target The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £138.39 for January and a bigger target of £300 for February, with lots to stock up on
    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 in 2026 discussion thread
    My keep within our budget diary is here
  • edinburgher
    edinburgher Posts: 14,474 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 5 June 2022 at 7:13AM
    @Suffolk_lass - sometimes you have a bank holiday weekend and the discount on the local DIY shed means that it's not *that much* more expensive than using the cheapest option 👍

    I've filed under JFDI and the project is now well advanced - two small sections of membrane to go down after I can get more ground staples from BnQ when it opens at 9, then just pebble laying. At some point I think it will all have to go if we extend the house, at that point I'll recycle the aggregate into a gabion bench  :)

    The membrane you linked to sounds good - it's 1/3 thicker than the normal and at screwfix prices. Considering replacing pavers with a gravel path, will mentally file for later
  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the JFDI filing... Well done sounds fab. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • LadyGnome
    LadyGnome Posts: 801 Forumite
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    JFDI is sometimes the only option  :D
    MortgageStart Nov 2012 £310,000
    Oct 2022 £143,277.74
    Reduction £166,722.26
    OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
    2022 MFW #78 £10200/£12000
    MFiT-6 #28 £21,772 /£75000
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