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The turtle moves.... slowly
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South_coast said:Keep the boxes, save on the Feliway 🤣!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
I did have plans to create a sort of gigantic box activity centre for the cats out of the moving boxes, by sticking them together and cutting holes for them to move between boxes….not happening now. Maybe I’ll save it for their birthdays 🤣Debt at LBM (Dec 2018): £23,167
Debt free Feb 20213 -
My cats think boxes are toilets3
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Mine think smaller equals better for sleeping, but that bigger boxes are toilets.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo4 -
Good luck with all the quotes AK! We’ve just had one of the big jobs done (the roof) and have got people coming to quote for plumbing and electrics this week. Asbestos inspection has also been done, but we’re waiting for the report to see if there’s anything we need to get removed - so it’s a bit of an unknown right now.You should absolutely not feel guilty about spending money on the house repairs instead of immediately overpaying the mortgage. It’s hard to shift mindsets from DFW but spending money now is the right thing to do. If it really niggles at you, is it possible that you could make a very small overpayment to round up to an even number? That’s what I’m going to do to start with, just so I feel like progress is being made but it’s not the kind of progress that will undermine the bigger savings goals.I also 100% agree with the other comments that you need to factor in your own time and energy into the list, it has a value too and there’s nothing wrong with paying a professional to do the job and conserve your own resources for other things.5
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I agree with @GeorgianaCavendish about small rounding up as overpayments on the mortgage. I also used to Tilly tidy the bank accounts to make additional small overpayments - I sometimes did this daily other times weekly but the little bits certainly all add up.
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Are you okay? Just checking in.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Thanks for checking in SH. I’m having a bad health patch and dealing with some pretty crushing exhaustion and pain, I’ve been signed off work and I’m just trying to get through each day. Have fallen off the forum a bit because I just don’t have the mental bandwidth for keeping up with things. And then the longer you’re away the more of a mountain it feels like to climb to get back.Not keeping as tight of a control on the budget as I’d like but I’m still using ynab and I’m not getting into debt, just not being as ‘good’ as I could be. It’s a bit scary because summer has historically been the time my health has been better and then it gets worse in the cold and damp winter, but as my dr says recovering from the move will take some time and I just need to be patient. Hopefully I’ll see some improvement soon 🤞Debt at LBM (Dec 2018): £23,167
Debt free Feb 20214 -
Hope you feel better soon. Give yourself time to get over the move. It's tiring enough if you're healthy but more so when you have health problems. Look after yourself.
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What your GP said makes sense. Hope you recover soonAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252
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