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Prosperous & Creative Soul & MFW Year 3
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The pain of the roof will be worth it in the long run, and it should help future proof for your FIRE plans."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 McGee3
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Oh yeah!!! I made it to today from the start of your first diary5
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Worth spending to get the roof sorted you would have had to do it eventually and prices are only going to go up. That is what an emergency fund is for so you now have time to build up again for another big expense. Hope he gets someone to help with the work and the weather stays calm it is horrible here.Moved to Denmark for FIRE by Aug 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#latest4 -
Nearly all roof damage will get progressively worse - and if it leaks you could get serious water damage. The sooner it's fixed, the less it will cost you. Making sure the roof was sound and water-tight was the very first thing we did when we moved in and I am very grateful the house has remained dry - particularly last night when we had torrential rain... again 😆
It's a good decision.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living4 -
Wow!!! That's dedication. Welcome. What made you start at the beginning?busybus said:Oh yeah!!! I made it to today from the start of your first diary
Thanks KK, busybus, Jwil, FS and TG - roof down - wind and watertight. I agree that's the priority however painful it is to spend the £. KK I agree the house will thank me too.
Roofer has just arrived but I can't see anyone with him. I asked him to take photos from the roof of the view for me. Stunning! Naturally he also sent me before and after shots of what he's done.
Cat went out overnight and was back this morning for what may be the first time here - the other times he's come back late afternoon or evening mostly.
Hopefully next week will be a lot less costly!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/266 -
Rugs sound good.The good thing is that you have the money to do the roof & associated bits cI 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.
One debt remaining. Home improvement loan. 20 months left.6 -
Where else is there to start ?? Although a famous surrealist film director said every film needs a beginning, a middle and an end - but not necessarily in that order!!.. Although I think he said it in Frenchsavingholmes said:
Wow!!! That's dedication. Welcome. What made you start at the beginning?busybus said:Oh yeah!!! I made it to today from the start of your first diary
.. snip ..I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
You knew the house needed some love, as did all the others in some shape or form, but in a way you didn't buy the house for what it was but what it represented. The great views, bringing dreams forward and also closure.
It's great the roofer is showing photos of the work needed and when done. A nice little touch and reassuring; it may even go up on his website or be used to show potential customers of his ability too.
All the big jobs will be done this year, therefore, take a breather and do some art.
Mortgage started 2020, aiming to clear 31/12/2029.6 -
Thanks Mark and MF
Mostly made art.
He was back again today and returning tomorrow to do the pointing.
I did root some stuff out the garage as he opened it for me. I didn't relock it but hopefully it will be ok.
I found my seeds and seed trays and manual propagators. I found the bulbs and planted them.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/265 -
Oooh, well done on finding seeds and bulbs!!! 😊❤️🎉
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 23 books of target 52 in 2026 as @ 28th March.
Produce tracker: £59 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3
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