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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,663 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    CCW007 said:
    Every job in this house is linked and nothing can be done independently - plan is to split into two to make en suite and family bathroom including laying flooring, which can't be done until fuse board is moved from underneath the toilet, which could only be done once we rewired the downstairs, which meant taking kitchen apart to plaster... I could go on 😁

    @Cheery_Daff that sounds so familiar! 
    Oh wow …. I’ve previously lived in a house like that. It means you get the property cheaper as people can’t bear to take on the work, but boy is it a lot of effort and mess! I now understand why your kitchen got ripped out BEFORE Christmas! 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,144 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    @Cheery_Daff, what’s left to do in the kitchen, dining room, bedroom? Any of them possible to knock over this year? Do you have a GANTT for any of them ….? 😉

    Theoretically it's possible within about a fortnight! 😂 But the builders left 2 years ago and we've still not done it. All that's left now is 

    * skirting boards downstairs

    * boarding up a ridiculous window that looks into the loft upstairs (although having recently hung a curtain over it I'm far less bothered about that now 😂)

    * levelling and covering an awkward bit of kitchen floor - used to be a fireplace/wall and the builders concreted it in - but level with the rest of the floor, so whatever we put on it now means that bit will be raised 🙄 There's also a dip where we've been walking over a bit of it to get into the kitchen bit. Don't really know how to sort it out so been putting it off!

    * windowsills 🙄 you may have seen the ongoing windowsill saga on my thread - we're planning on making them ourselves from old stone roof tiles from the barn, so we'll probably need to wait for better weather now as we'll need to get the angle grinder etc out, and that's best done outside... Anyway, there are 6 of them, all various sizes, and of course none can be done with a single roof tile (although they are massive) so it'll be like a giant jigsaw 

    Anyway, bit of a nuisance but definitely all doable this year! Probably all doable in January. Probably all doable over my Christmas holiday if I didn't want to do anything else 😂😂
  • skint_spice
    skint_spice Posts: 13,409 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nothing like visitors to speed up the tidying 😂
    Mortgage OP 2025 £6200/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,255

    Money making challenge £0/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 7,663 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Nothing like visitors to speed up the tidying 😂
    Yup! 😂

    I have also repaired my work trousers as the hem had totally unravelled on one leg and the repair I did in the seat wasn’t quite mob enough so have extended that too 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • That all sounds rather lovely!
  • Cheery_Daff
    Cheery_Daff Posts: 17,144 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    @Cheery_Daff, re the awkward patch of kitchen floor; I would dig out c. 4” of what they have put in there and then level it back up across the whole floor. Would that work?
    Actually I wonder if this is part of the problem - you are having to redo / undo work that was done incorrectly but YOU HAVE PAID FOR - I would find that hard / mentally blocking. 
    I remember about the window sills 😊 and yes you need dry weather, but they will look amazing once done ❤️ Perhaps focus on one window to do first that you will get the greatest benefit from (the one that most offends you visually or you want to be able to put houseplants on) and just focus on that ONE to start with. When that looks good, it might give you the momentum to continue? Or, <whisper> give up on the stone window sills and just use timber ….? <whisper> 😉

    Yes, a lot of the problem is a mental block! And some of the rest is that Mr Cheery really wants to keep the ancient terrazzo tiles, so whatever we do the extra bit with,  it won't match the rest of the floor 🙄 We did decide a long time ago that for now,  we were just going to fill in the bit that's being worn away and cover the concrete with carpet tiles - we even bought them! Not perfect,  but seemed like a solution that could be done relatively swiftly,  although it hasn't been 🙄😂

    So that's the first thing. And skirting.  And you're right about windowsills - the obvious one is the dining room at the front (although I did wonder about staying with the bedroom to perfect the technique 😂😂)

    Sorry to hear about your neighbour's woes. We have a house like that near us. Beautiful location, but it's been empty for 17 years now and is falling down.  Owned by 2 brothers and a sister apparently, and the 2 brothers apparently don't want the sister to have any money from it so they won't sell 🙄 one of the brothers died recently,  so that plan is clearly not working well for them 🙄
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