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Prosperous & Creative Soul & MFW Year 3
Comments
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Thanks TG. That's encouraging on the different levels thing however I am someone that trips over nothing... although TBF my kitchen was probably a different level previously and I think that was okay. My previous kitchen was tiled - but it always felt icy cold compared to the rest of the downstairs which was engineered wood.
Thanks Blackcats and Skint too. Yes - it's that debate of what best to do for longevity - and value for £ - and hopefully positive impact on resale value. BC - I see planting pots as a form of art in itself - but yes - I love the colour palette of all of these.
On the positive side as highlighted by @Humdinger1 I think I've found someone I'd be comfortable with to resolve the roof, gutters, soffits and fascias so perhaps I need to focus on getting that booked in - followed by the driveway - and then the front of the house would look a lot better and it would be more wind and watertight. Then I could focus on the inside. I hate the disruption of any of this kind of thing - hence want to get it over with as quickly as possible while still trying to make sensible decisions.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 29/7/258 -
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#latest2 -
skint_spice said: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?
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 29/7/254 -
skint_spice said: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?
love the plants!
If you're happy with the roofer then it sounds like a decent plan to get that done first - stops it getting worse and more expensive!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20256 -
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 McGee2 -
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/£80004 -
I agree with ES - youve done too much moving to have to uproot it all so soon. So that can be left. Look at the broken laminate and if not learn to love it, at least say I'm putting up with you because the alternative is worse and then discard the thoughts - and/or use a rug!!
I'm sure the floor guy was possibly laying it on a bit thick not quite upselling but close. SO maybe another quote or two, Also doing it in the summer may make it easier to deal with if you could find a way to be outside or elsewhere during the workI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
Thanks Merlin, Jwil, @enthusiasticsaver and Mark
I have booked the roofer - so next week will have my roof repaired and the sofits, fascias and guttering resolved! In theory my new handyman should also come.
I had a much better work day today - and worked almost my full hours. The views were amazing today - there was even a stunning rainbow at one point. I need to get to know the names of birds - and a telescope and binoculars - but I'm convinced I saw multiple birds of prey today which really lifted my mood.
I rang a GP practice - the first (best rated) said no to the ADHD meds thing - the second one appears to have said yes - but I have to go down in person to collect the registration form. Only time will tell if they will stomach the private meds cost in practice. I need to arrange to go down there perhaps first thing in a morning. They answered the phone super quick though very unlike where I was before where a simple call could be 15-30 minutes wait time before you got from being the 13th person to actually through or they dropped the call whichever. They seem to have parking - and people positively recommended them on Fbk so hopefully it will be okay. I'm just a bit nervous as I have lots of regular prescriptions.
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 29/7/255 -
Well done on finding a roofer you have confidence in - it makes such a difference.
When we move in we knew immediately that the roof needed serious work (due to the waterfall on the inside walls when it rained! We had one quote for £1,500, one for £7,000 and one for £11,000 so we knew right away that the one for £1,500 was a waste of time - the materials alone were more than that. Neither of the other two really inspired confidence but we chose one who let us down the week before they were due to start.
So we contacted another company who, when we were first looking were booked up six months in advance, and they came out, pointed out different / better ways of doing things and decided to go with them. The difference was amazing, we just trusted them and what they advised and they did an amazing job.5 -
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
Hopefully you won't need every room screeding as I can understand how disruptive it is.4
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