We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

And now we go again...

1118119121123124266

Comments

  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's a shame about the solar - however keeping your bike sounds important. On the bin store - you can buy those wooden bin stores that look nice and keep them in position. Don't know if you'd be allowed those where you are? I think solar will improve. They reckon 20% of people never make back their £ on solar... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.2K updated 16/1/26
  • I'd say hold off anyway until a bit after the general election as a new government might introduce new environmental grants. They might not but no harm seeing what's what in the forthcoming year for big spend decisions 
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1

    'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I was just thinking could you put the bins in a covered unit, like SH.  I have my bins in a K3ter store - I resent giving up space in the back garden for them, and when I first moved here nobody else had them visible at the front, so I figured it was a reasonable solution to have them in a store goes well with the house.  We get gales here so it's also sensible anyway.  I've had other boxes from that make before and they've lasted over a decade, and much easier to put together than wooden ones.  If you look about in sales and discounts etc you can usually get that size 2-bin store for about £100. 
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.3K Banking & Borrowing
  • 254.1K Reduce Debt & Boost Income
  • 454.9K Spending & Discounts
  • 246.4K Work, Benefits & Business
  • 602.6K Mortgages, Homes & Bills
  • 178K Life & Family
  • 260.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.