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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
    A few of you suggested a while ago that I clean out the shower basket etc - I removed and cleaned it - and didn't put it back - as the handyman said it could be part of why it's slow to drain. I put drain cleaner stuff down it yesterday too - and had a more successful shower - but still had to turn it off multiple times as it didn't drain quickly enough but it was much better. I recently brought a rubber brush with a squeegee blade so kept directing water back to the plug hole which also helped.

    Beanie asked a page or two back whether there was much left for the handyman to do. Unfortunately yes. As he knocks off other jobs, I keep adding new ones.
    1. Resolve cause of the kitchen ceiling damp patch in the wet room above. This is likely to mean that the moving, poorly grouted tiles in the bathroom need to be taken up and relaid among other things. Plus fill the known gap in tiling underneath and behind the bath where the seller just didn't finish the job! Hence plenty of opportunity for water ingress - and not a total shock that it was leaking. It was a clearly bodged job.
    2. Move plug socket where arch mirror is - lower - so I can then have an uplighter.
    3. Buy and fit new large bathroom mirror to reduce the glare / overwhelm caused by the blingy tiles. (I may also tile paint at some point - as they are really busy - but I don't have the energy or necessarily want to spend the money on a complete bathroom overhaul at this point).
    4. Fit toilet door and bathroom door locks - there aren't any. He's bought them but not fitted them yet.
    5. Fit new stair rail and spindles - He's bought them but they hadn't yet arrived.
    6. Get rid of weeds, grasses and bamboo in the back garden.
    7. Possibly fit new video doorbell by backdoor - I'd need to buy it first.
    8. Fit castors to most downstairs furniture (or sliders) - so it's easier for me to move alone on hard floors.
    9. Move washing machine and dryer. This will mean amending existing cupboard/shelving areas and pipe work near the back door, boxing things in, plumbing connections etc and the creation of a new 'platform' for them to sit on. That way they won't be affected if I end up going ahead with screeding the floor. He reckons he can sit them on rubber too which would then reduce noise transfer.
    10. Box in other pipework.
    11. Potentially hide the boiler in a cupboard. It will be above where the dryer is due to go. There is spare shelving and white gloss acrylic type panels in the garage that should help with this. There are even some spare cupboard doors which may be suitable.
    12. Resolve lounge radiator pipework - it's not been pulled back properly.
    13. Lag heating pipework in the garage!! Potentially tidy it up and box it in. Unfortunately there is also pipework in the inner store / utility area - so this may end up being part of a bigger garage conversion job for a builder at some point. I still don't have electrics into my garage although I have a temp light in my utility. He wasn't very happy with my fuse board - but again would see that as being resolved as part of a builder's job rather than by him.
    14. Put in a side light. (I've already bought it).
    15. etc etc etc
    I'm hoping once the main house is functioning better it will be easier to make bigger decisions about other more expensive works. My 0% card is ratcheting up with some of my recent spends - so again I need to look at what my take home pay is going to be from mid April - and then decide what's reasonable to keep spending and what to put on hold.
    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
  • skint_spice
    skint_spice Posts: 13,418 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Please don’t be rushed into going back to work before you are fit to do so.

    I think slowing down on the decisions is a good thing as it helps you get a better feel for the place.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • beanielou
    beanielou Posts: 95,614 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Also agree, do not be railroaded into going back to work too soon.
    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.
  • aludcov
    aludcov Posts: 8 Forumite
    Name Dropper First Post
    Bit late to the party @savingholmes but I hope you are still being creative and it is bring opportunities up for you. The urge to create never goes away, so keep going for it!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Skint and Beanie - I think I'm convinced. I'll ask for another week's sicknote on the doc's portal thing tomorrow am and then review how I'm doing next week. My stamina just isn't where it needs to be yet. It's not clear enough what I'm walking back into either as it doesn't appear anyone has been covering my work and various important people are also out of office. One of them is back next week.

    A positive from delaying house related spends - is that I got £123 of free £, interest, cashback etc this month which is very nice indeed.  Feels very novel. All but £5 of that is sitting in my savings account - and therefore I'm finally earning interest on interest. Once the new tax year kicks in - I'll need to sort another ISA and do a money shuffle. Some of the sites also offer you cashback if you move a certain value of ISA to them - so I may also look into that although I'm on around a 5.25% fixed rate I think so it may not be worth doing.
    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
  • Thanks for the update 😁
    Sorry to hear you’ve been unwell and that the new house has had issues.
    Agree with not rushing back, health comes first.
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • badmemory
    badmemory Posts: 9,658 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I have total sympathy with the bodged jobs.  Some of mine were actually done by the builders.  As an example my father was putting new light fittings up for me downstairs.  He took one look & said I think you had better get an electrician in to do this.  The electrician spent a lot of time at my house & once actuallly called on his way out on a date to fix yet another botched job.
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