Prosperous & Creative Soul & MFW Year 3

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  • It’s all information that goes toward helping you decide what needs doing in the house and in what order. 
  • savingholmes
    savingholmes Posts: 28,893 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks KK, Jwil, @~Flowerpot~ WD, Beanie, Lucielle, LWAP

    Really appreciate you all taking the time to post. The tiles in the living room are less of an issue as they are intact. But in the hall they partially scraped - and I took a scraping from the scrape and that is asbestos too. I.e. the fibres have been disturbed. I've mostly had that covered while living here with underlay, cardboard or rugs but they have been moved from time to time so its likely I disturbed the fibres which is worrying but can't be helped now. I've put a rubber mat over the underlay now. Everything in the lounge is covered with cardboard and then rugs where there is laminate missing - but the tiles are pretty much intact.

    I don't know whether if I wear a mask and use fans and protective gloves and a suit whether I'd be safe removing the laminate floor over the top of all that or not ready for screeding. I don't want to risk untrained workmen either. I'm assuming I need to 'screed' the floor and 'encapsulate' it now I know which just bumped up the cost - so I don't have to worry about it in future - starting with the lounge and hall. I definitely won't remove the back laminate floor for now - and will either live with that as it or put vinyl over the top at some point - or until I have castors on most of my furniture to make moving it easier.

    I need to resolve the hall as a priority but obviously that is a pain as that is where the stairs are and they are in the middle of the house. I could go in the back door to get to the kitchen - but depending on how long it takes to dry - getting upstairs to sleep would be more of a challenge.

    I'm now worrying whether the work on my roof released asbestos fibres into my loft / whether there is asbestos up there - as the handyman said the roofer left lots of debris in there. For now I'll avoid going up there - but at some point I'll aim to get that checked out. I can't face that right now though so will just keep people out for now.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £175.8K Equity 32.38%
    2) £4.3K Net savings after CCs 13/5/25
    3) Mortgage neutral by 06/30 (AVC £20.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 26.3/£127.5K target 20.63% updated 16/5
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K updated 16/5
  • savingholmes
    savingholmes Posts: 28,893 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    In better news

    I feel slightly more rested. I was given valium (tranquiliser) to help me get to sleep and I definitely feel calmer. (Sleeping tablets don't work on me). I hadn't realised how on edge I was feeling until it has gone away. The bad news from the other weekend in particular had been nagging at me among all the previous bad news. I've only taken a very small dose to get to sleep. I've been given a new prescription but had some from 3 years ago that goes out of date this month - so started with that. It's a lower dose than what this doctor prescribed. I can break the newly prescribed tablets in half if needed though but even that is slightly higher than what I'm currently taking.

    DD and her BF have come twice now to help with the house - so between them - about 12 hours of help and it has made a huge difference to the state of the house and garden. I'm given them some £ to reward their efforts and effectively helping them out too. It keeps the £ in the family - and it is easier than getting in 'outsiders' which is difficult for me. I decided not to go with the most recent handyman as there was something about him that I didn't like and I decided to trust my instincts. He also kept letting me down. DD and her BF are going to come back and it looks like her BF would like to become my regular cleaner. Will see how that goes - but if it happens that would be amazing.

    They put fresh bedding on my bed the other day. I've done quite a few loads of washing. DD helped put my clothes away. We've also continued our decluttering and organising mission. We have put a rug (mainly soft grey with highlights of lemon, and bluey-green) that I bought months ago into the back area immediately in front of my sofa. That ties my grey sofa, curtains and teal chair in with the rest of the room and helps finish the space. She's also emptied most of the cubes in my utility area - so now we need to decide what to put back in there. My spare fridge freezer finally has its shelves and drawers back in it - so that has freed up shelf space too. I'll probably put many of my finished paintings in there on the shelves - particularly the high ones - while I decide whether to keep / sell / reuse them in the longer term.  

    Her BF has tidied my shed and put a wheelchair ramp the previous occupant had made away for me. He's put the old lawnmower and strimmer in my boot ready to take to the tip yesterday and finished assembling my lawnmower. He mowed my lawn and trimmed it back. Apparently he loves gardening - and he's happy to plant stuff that I might otherwise struggle with. He has rearranged my garage so that the shelving is now along the walls rather than in the middle of the garage. So I know have extra space for that. I couldn't get the garage shut the other day but he managed it. He thinks he knows what's wrong with the garage door so it's possible he might be able to fix that too. My garage is mostly storage space rather than contents as because it doesn't lock and I struggle to open / close the door - I'm wary of what I put in there. After the drive and the floor - that is next on my list - after also getting some electrical work done - including putting electricity through into both the garage and utility area. I still need to find someone to do that for me. Apparently I need to change my fuse box to a better fire rated one at the same time - and want to get the electrics tested as I feel the previous inspection was fraudulent. In the new year I need to get my boiler serviced - but next door has someone in the family that does that - so can probably get the latter via him.


    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £175.8K Equity 32.38%
    2) £4.3K Net savings after CCs 13/5/25
    3) Mortgage neutral by 06/30 (AVC £20.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 26.3/£127.5K target 20.63% updated 16/5
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K updated 16/5
  • beanielou
    beanielou Posts: 94,827 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So so glad that you have something to help you to sleep. It makes such a difference. 
    So glad that DD & BF are helping you out & so glad to hear that it’s making such a difference for you xx
    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.
  • savingholmes
    savingholmes Posts: 28,893 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think it had always been something I have been trying to get at, the idea of meaningful money. Where it supports you to have the life you want and is a part of the fabric of your life rather than the entirety of it.
    You summed that up beautifully. Love it. - Just nicked this from another diary - but it is a good reminder. I need to get more disciplined with money again. 

    I need to move to carrying only debit cards with me - and set more defined limits for things again instead of treating my whole budget as a suggestion which I've fallen into lulled by having 'savings / EF' of a decent size for the first time in my life.

    My spends on the sofa and chair, drive, paths, patio area and future floor are 'fine' - it's the fritter spends that aren't. I need to write myself a list of what to buy for xmas presents so that I spend a focused amount. I also need to plan the menu and write it down for when I entertain mid December so that the costs for that don't just spiral. Once the floor issue is resolved I may start getting out some of my Xmas decs too so I remind myself of what I already have so that I don't buy any more (I recently bought 3 things from Al's but they all add up). I think my 'personal' spends on art etc - would also benefit from a prioritised list. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £175.8K Equity 32.38%
    2) £4.3K Net savings after CCs 13/5/25
    3) Mortgage neutral by 06/30 (AVC £20.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 26.3/£127.5K target 20.63% updated 16/5
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K updated 16/5
  • Depending on BF’s age he may be eligible for support to set up a small business. 

    It sounds like the house is throwing up some challenges. 

    Just a thought that occurred to me yesterday, I don’t remember anything you do to help with the ASD side of things. Could you maybe ramp that up to help with this stressful season?
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