Fix Up, Look Sharp

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Comments

  • savingholmes
    savingholmes Posts: 27,355 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Interesting way of doing the kitchen. Sounds good though.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £12.3K
    3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • EssexHebridean
    EssexHebridean Posts: 21,371 Forumite
    Name Dropper First Anniversary Photogenic First Post
    edited 6 July 2022 at 3:26PM
    This is all just sounding brilliant and SO organised! Well done you!  Great way of doing the kitchen too - Howdens are so popular these days I imagine you'd definitely be able to find something to match pretty soon! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • savingholmes
    savingholmes Posts: 27,355 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Love the secretly glad bit!

    Good luck with it 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £12.3K
    3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • Just caught up on your old diary and followed to your new one! Love the kitchen plan, a great way to do it. Good luck with everything :smile:
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • Thank you @astrocytic_kitten :) 

  • Sorting out more tax things now my P11D has been issued. I'm due another £1200 refund from last year (which will go straight into the house repair pot when it comes through) but my tax code has changed for the year ahead due to medical insurance going up, so I'll need to look at my take home pay in August and tweak the budget again. I think it is too late for the changed tax code to be applied for payroll this month 
  • savingholmes
    savingholmes Posts: 27,355 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Great when the taxman owes you money rather than the other way round
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £12.3K
    3) CC £4.9K on 0% spends card but offset by £34.1K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • Great when the taxman owes you money rather than the other way round
    It really is!  :D 
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