Fix Up, Look Sharp

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  • savingholmes
    savingholmes Posts: 27,236 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Sounds good. Thanks for sharing.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • Thanks for the paypal returns thing, that's really useful! I'm sure I've seen it before but never really investigated it, good to know it works
    Debt at LBM (Dec 2018): £23,167
    Debt free Feb 2021
  • July 2022 Round Up 

    Savings

    House Repairs Fund - 39.83%

    Extra Income 

    Prolific Academic - £46.94
    Ipsos I-Say - £10 (Amazon Voucher)
    Delay Repay - £30.38
    Interest on Savings - £3.40 

    No Spend Days

    18/16 for July
    Target for August - 10
  • Slower month for savings as we're going on holiday in August so have diverted a bit to the holiday fund. I'm also due a tax refund but haven't received the cheque yet and I'm not counting it until I've got the cash in my bank account! 

    Extra income from surveys has also slowed down a bit and will definitely slow further in August as I'll be off for 3 weeks (2 weeks abroad and 1 week to work on the house) so won't be online much.

    Work on the house has slowed down as we needed a structural engineer's report on the wall we want to remove. That visit went ahead at the end of July so we're just waiting for the report to come through.No more pro work until September but there are a few things we can done ourselves in that extra week at the end of August. 

    On my radar over the next month is to watch oil prices as the oil tank is now below 25%. I'm going to chat to the neighbours and keep an eye on some of the websites like Boilerjuice for extra discounts. 
  • EssexHebridean
    EssexHebridean Posts: 21,287 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Great info about that Paypal refund thing - and also 100% agree about never counting money owed until it's physically landed and is staring you in the face! 
    🎉 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: 27,236 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Great result - lovely holiday without bringing the bill home with you.
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
  • savingholmes
    savingholmes Posts: 27,236 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Good luck with the payrise conversation 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26% (lower post move compensated by EF) plus spent £10K+ on home improvements/emergency repairs
    2) Mortgage neutral by June 2030 AVC £8.063/£127,466 AVC target 6.32%
    3) FI Age 60 annual income target £12,500/30,000 41.66%
    Achievements: CC free since April 22. 1 year EF from Jan 24 & dedicated pot for home improvements
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