📨 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!

Prosperous & Creative Soul & MFW Year 3

17475777980239

Comments

  • TallGirl
    TallGirl Posts: 6,232 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Morning just to add to the flooring. I have this in my kitchen it is waterproof and totally indestructible. It is warm to stand on and looks just like large tiles. I am sure there are other similar products out there. We had to have the floor screed to lay it but it works so well for us. Great news you have found the person to do your roof. 

    Lovely flowers I think we cross posted yesterday so I did not see them. Great to have some colour at this time of year and should last a long time too.  
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I don’t know which solution is best for you but if you try to save money now would you regret it down the line?

    This stuck with me. I think I should at least get the quotes before making a final decision.

    TG - I may and go and have a look at other flooring options and just sense check my choice.

    I still need to shower and then login for work. Running late which isn't unusual for a Monday.

    I will check the references for the roofer and then potentially book him in and then that at least would be done.
    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
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Plants look lovely.  Definitely focus on getting the roofing done.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • I think you are in danger of being a bit overwhelmed with decisions, plans etc so I would focus on the bits the roofer is going to to initially with soffits, guttering etc and park the question of the floor for a month or so. 

    I know the temptation is to do everything as soon as you move in but taking things slowly initially and really having a think about what you need might be worthwhile both in terms of expense and convenience.  Some workmen come in and pick things to bits saying this needs to be changed and that does and then others come in and nothing is a problem so I do think getting another flooring person in is worthwhile if only to solidify what actually is critical.  Trip hazards don't sound good though and doing something which will need ripping out again in the near future if you do in two separate jobs sounds expensive. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
    Save £12k in 2025 #1 £12000/£8000
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    On the floor, I'd definitely get a second opinion - we had to screed the floor in our office as it was two very different levels separated by a wall (an inch difference) and the living room as the floor surface was in poor condition but I'm hoping when the floor tiler comes to quote on Wednesday he'll say the kitchen doesn't need doing as it's fairly level and the surface is reasonably good.  We did the screed in the office, our plasterer did the floor in the living room and our builder who laid the solid wood floor said we did a better job :wink:

    Hopefully you won't need every room screeding as I can understand how disruptive it is.
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
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K 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.