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Prosperous soul, mortgage neutrality & creativity Year 2

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  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today I picked up a narrow desk on FB for £10 to go in DS's room. He had an old screen and defunct tablet - so will put that in the room. It already had an office chair. His room is now largely staged.

    I moved on to the family bathroom - I packed all of DD's items into a basket and put at the top of her wardrobe - so it can be lifted in and out. I staged the window sill and the sink. I've thrown out her old bin whole - and put in a nice new one - only to discover to my horror that the skirting board is rotten because of DD flooding the bathroom in the past. I don't know why I was surprised but it had never occurred to me to look and the Cleaner and DD had never mentioned it. I'm going to try and spray with a stop stain type product for now - but may need to ask the handyman if he can put up new skirting board for me before any kind of surveyor comes around - in the hope that s/he won't notice an issue. This part of the process is pretty depressing. I'm already awfulising and worrying about what if they make me redo the bathroom floor and kitchen ceiling - it's all hassle I don't want. 

    I'm also due to have a fibre install tomorrow - but they've only just said it can take 3 hours and therefore their 8-1 guide time is the starting point and really it's a whole day that you need to allow. Very unhappy about that. I'm trying to get someone to be on standby to house sit if needed as I've been asked to go into work for part of the afternoon. So frustrated.

    Glad my problems aren't worse but still so frustrating!!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,989 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Stain stop product made it look heaps better. Should be able to paint over it later.

    DD has now said she'll rearrange her plans if needed. I've sent so many messages to the fibre people though - not sure if they will still come.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • badmemory
    badmemory Posts: 9,727 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I wouldn't worry too much about the fibre thing.  I have it & I have never had a BT person on the premises for even as long as an hour.  I think it is just them giving a worst case scenario thing.
  • doingitanyway
    doingitanyway Posts: 10,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Great progress on the house. It's hard to push yourself in the heat too.
    I agree with you with not putting stuff in storage. That just outsources the problem (at a cost too).

    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • beanielou
    beanielou Posts: 95,712 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You CAN do it.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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