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Prosperous & Creative Soul & MFW Year 3

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Blackcats.

    Strangely the clean laundry made it upstairs but not the heavy hoover. You're spot on. It's just it's a dark carpet on the stairs and landing and I have a white cat. I will see if there is a way to tidy sufficiently to put the robot hoover to work upstairs.

    My handyman list:

    1.      Change locks on front and back doors -

    2.      Fit video doorbell

    3.      Put electrics through into utility and garage and add a light to the understairs cupboard - Put in temp light

    4.      Fit external lights – FITTED 5, possibly 2 to go when other electrics resolved

    5.      Fit new lights for garage, hall, lounge, utility, dining area, art area

    6.      See if sliding patio door fixable He recommended someone for replacement door – I need to follow up

    7.      See if tumble dryer fixable – NOT. Replaced

    8.      Fit new blind to work from home space and used privacy film for landing.

    9.      Hang a very high picture in the stair well

    10.   Move triple wardrobe combo from my WFH space into my bedroom and move 6 drawer unit into bedroom 2 for now

    11.   Fix the utility floor - ON HOLD

    12.   Advise on & the fit new stair rail and make existing one safe (it wobbles!) - ON ORDER

    13.   Ideally fit extra spindles to the stair balustrade so it's compliant – ON ORDER

    14.   Fit some grab bars to downstairs WC.

    15.   Advise me on mirrors - Hung existing. Ordering a new one for bathroom

    16.   Change the tubular catch on a few doors -

    17.   Possible canopy by front door (c£90 on Am****) = ON HOLD

    18.   Possibly extend canopy to the side and back of the house – ON HOLD

    19.   See if can fit castors to some of my existing furniture to make it easier to move around – Done one set, others still outstanding. I need to order more

    20.   Fit hose pipe holder

    21.   Fit rotary washing line

    22.   Depending on flooring decision – ON HOLD

    Possible plumbing & related joinery / plastering / tiling work

    23.   Review pipework - so can move tumble dryer and washer - awaiting deliveries

    24.   Box in soil and other pipes

    25.   Lag pipes in the garage as needed (these seem to be my heating pipes!)

    26.   Tidy up pipes under radiator in lounge

    27.   Take bath out - tile underneath and behind (where part missing - roll eyes) using spares left by the seller - refit

    Other structural & joinery work - NOT STARTED On hold as likely to be part of the garage conversion if I go ahead

    28.   Get advice/quotes on converting the garage properly and related costs

    29.   Get new lintel put in for utility area (part converted garage) and widen the doorway

    30.   Fit architrave and missing skirting boards

    31.   Current utility area has an ugly boarded ceiling - check if that can just be skimmed  

    Garden – NOT STARTED

    32.   Remove bamboo and grasses

    33.   Severely prune bay tree - possibly remove

    34.   Consider improving the lighting

    35.   Consider improving the paving – I’ve asked for a quote for Indian Sandstone

    Plant additional borders - as a minimum existing back grass area needs aerating as water logged – I’ve asked if he can 

    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 29/7/25
  • lucielle
    lucielle Posts: 11,509 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That’s done list and you’re getting through it. Step away from the vacuum!  That’s an order. Hopefully a family member or friend could do it for you. 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    lucielle said:
    That’s done list and you’re getting through it. Step away from the vacuum!  That’s an order. Hopefully a family member or friend could do it for you. 
    L
    Thanks Lucielle. Wise advice. Unfortunately DD packing to move, DS too far away and other family not likely to come for a while... I may see if I can get a one off clean next week from a company.
    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 29/7/25
  • KajiKita
    KajiKita Posts: 7,722 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Re the white fur on the stair carpet, how about one of those sticky roller thingies - would tame the fur and not be as heavy as a full blown vacuum cleaner. I also have one of those scratchy metal tools for scraping up fur. Either would be annoying to use on a full floor (hands and knees job) but would keep the stairs tidy looking with a lot less effort. 

    I’ve just done a quick google on potassium salt supplements (won’t link to any here). Looks like there are loads of options but you would need to know if it’s potassium citrate or potassium chloride that you need. Perhaps a question for the GP tomorrow? 

    Hope it goes well tomorrow. 

    Hugs x
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks KK - That's a fantastic suggestion on the lint roller type thing. I have some somewhere or could easily buy some tomorrow. That would be a lot easier than hoovering!

    I'll ask the GP online and see what they come back with. Initially when I was ill I was losing a pound a day - that's slowed to 4lb over this last week.
    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 29/7/25
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope GP visit is helpful. 
    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.
  • badmemory
    badmemory Posts: 9,656 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    With a list like that no wonder you are feeling stressed.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Beanie and BM
    badmemory said:
    With a list like that no wonder you are feeling stressed.
    And that ignores the missing flooring now hidden by cardboard and rugs in the lounge - and by folded up underlay and cardboard in the hall!

    I wanted a quote for a garage conversion, possibly widening a doorway, taking out a wall and screeding the floor. I didn't get any takers for my job so need to relist it. 
    beanielou said:
    Hope GP visit is helpful. 
    It's not a visit as such at the moment - there's just an online portal where you can ask for things and they decide whether or not you need an appointment etc or whether they can resolve without! It's only open a few hours of the day so you have to be organised... 

    I've felt really nauseous today. I managed the ham and some grapes. A tiny bit of salad. I tried making porridge but only managed about 3 spoons worth. If I was doing SW I'd be thrilled with this kind of weight loss - but feeling sick constantly is wearing. Food has always been a pleasure - a guilty one - but still a pleasure. Now it's more of a worry / fear in case I exacerbate my symptoms. My brain also feels foggy most of the time. My pain has been low level / barely there today so that's a huge improvement. I have to keep saying to myself this will eventually pass!! 

    My flooring refund still hasn't arrived. If it's not there tomorrow - I will be strongly complaining and writing negative reviews!! Getting beyond a joke considering I asked for it to be cancelled 5 March - and we are talking over £3.1K. Luckily I got a 0% spends card - so I paid off the balance of the one due to be refunded from my main bank account - but created a balance on that instead. It's at nearly £1.4K as I don't want to pull £ out of savings unnecessary. Once I get the refund I'll decide whether to put it back into savings and earn interest (stooze) or whether to clear the latter. I don't want a slippery slope situation though...
    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 29/7/25
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just checked one of my pensions and it's up £1.2K since Oct 2022 - and most of that has been this year. I've put in just under £8K - so it's close to £9.1K. Similarly since I moved it my small SIP around Sept 2023 it has made £0.5K so is now at around £4.1K. Given that prior to this year it's been losing money for a while - that's a real positive. It makes me torn about delaying AVC increase as it is doing so well currently. 
    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 29/7/25
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