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Watty's Awakening
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In financial news, right at the end of my last diary and at the start of this I was wondering about reclaiming tax paid on rental income that PPH claimed as half his but I had paid all the tax on. After much dithering and debate on this thread, I thought I came to the decision to just leave it.
However, my lovely accountant had thought it over also, and it seems he wrote to the Inland Revenue on my behalf to reclaim what he could. Well some 20 months later they have replied and declined to refund because I did not write the letter myself so accountant has written a letter for me to send with all the details, I simply had to print it off, sign and post. Which I have done.
I have no expectation of a refund. I really thought I had decided not to pursue it but accountant said I left the ball in his court so he thought he would "give it a go".
Lets hope they dont take another 20 months to reply whatever the outcome.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!4 -
Just spotted my typo! I meant 'stay put', of course, but you worked that out.
Is the open plan such that you could put less-permanent divisions across, like folding doors or curtains? Or did the estate agent mention anything about adding heating? We have a wood burning stove which heats superbly but it's a small house with separate rooms (the heat warms the stairwell as well as the room it's in, and to a lesser extent, other rooms). Do you use one of those little woodburner fans on top of the stove to drive the heat further? Something like this.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
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Hi Watty. I've just started a new diary after a year off but have been following all your adventures during that time. You have done amazingly well! And I'm not surprised you now love the house after all the work and effort you have put into it.
I can't remember whether you said you'd had a plumber round to look at the heating. If not, I think it would be worth getting some quotes for having additional radiators put in or, at least, having the small one replaced with something larger and more effective. It may not be too costly and they can usually do the work in a day or so.
A friend has had infrared radiators installed (she's electric only) and has been very impressed by them. A couple of those to take the edge off on cold nights might be an option?
We have a log burner too but Mr F loves it - I think it taps into some primal, evolutionary, survival need of his 😂 He's nagging to light it from September onwards 😂
Keep going keeping going - you're doing great!
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living4 -
I thought one of the other fundamentals, as well as the house being cold in winter, was that you can’t ‘ride out’ easily and pleasantly from where you are? Or has that changed since finding the wood?
KkAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
I was also going to suggest partitioning off the stairs. A curtain rail attached to ceiling in an L shape (like a shower curtain round a bath) would cut down on the heat going upstairs.
Is it worth rebuilding any of the walls to make it less open plan? You can get sliding partitions that fold up against the wall (like large hotel rooms have that can be sub partitioned off) which could be more versatile? Or glass, to allow light to still penetrate through. Like this cheap option
https://www.ikea.com/gb/en/p/skytta-svartisdal-sliding-door-combination-black-white-paper-effect-s29581140/#content
A plug in oil filled radiator could help too, they give off a good heat and can be wheeled around wherever you need them.22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'4 -
KajiKita said:I thought one of the other fundamentals, as well as the house being cold in winter, was that you can’t ‘ride out’ easily and pleasantly from where you are? Or has that changed since finding the wood?
Kk
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!9 -
@Watty1 you've got me on tenterhooks now, and I bet I'm not the only one! It's your diary and you do as you see fit, but please could you consider giving a wafer-thin mint of a hint as to what 'the thing' might be? Feel free to tell me to mind my own Gdamn business but your posse of adoring admirers are, I'm sure, enthralled. Standing by in hope of hints love Humdinger xx
5 -
We have a woodburning stove - they come with different kilowatt values, so looking to see if yours is suitable for the space it is in, would be my first step. You could put a metal grate in the bottom of a woodburning stove and make it a multifuel - lots of slow-burning fuels that burn to dust are hotter output than wood too - we used to use "homefire" pressed dust, octagonal briquettes of smokeless fuel, but I am sure there are more modern, better options now.
We don't have gas here, so I have been looking at waste-wood burning systems as an alternative to the oil boiler we use (when we do) for winter heat, plus hot water. MCZ group (Italy) have UK distributers for decorative biomass options. Our electricity consumption is astronomical in winter when the (electric) aga is on - it does heat most of the house though, just by leaving the doors open, and is oversized for the size of house (4 oven either on or off, with no adjustments)
Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here6 -
I love the sound of the garden furniture, all so colourful!Mortgage OP 2025 £6250/7000Mortgage 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)6 -
Suffolk_lass said:We have a woodburning stove - they come with different kilowatt values, so looking to see if yours is suitable for the space it is in, would be my first step. You could put a metal grate in the bottom of a woodburning stove and make it a multifuel - lots of slow-burning fuels that burn to dust are hotter output than wood too - we used to use "homefire" pressed dust, octagonal briquettes of smokeless fuel, but I am sure there are more modern, better options now.
We don't have gas here, so I have been looking at waste-wood burning systems as an alternative to the oil boiler we use (when we do) for winter heat, plus hot water. MCZ group (Italy) have UK distributers for decorative biomass options. Our electricity consumption is astronomical in winter when the (electric) aga is on - it does heat most of the house though, just by leaving the doors open, and is oversized for the size of house (4 oven either on or off, with no adjustments)
The curtains and doors idea were a good suggestion, but probably unworkable. The house is an odd shape, sort of a T and was originally an old grain barn so brick built. The original part is very poorly insulated and none of the (new when PPH and I moved in) windows actually fit. The windows were the first big disagreement on the rebuilding we did as I wanted modern double glazed and he insisted on wood, double glazed but the simply don't fit very well, they warped. The rooms with the three windows I did replace are so much better.
All of this is solvable if this were to be my permanent home, but, it is not. I'm sticking with estate agent advice who said leave the windows as is, to renovate the front door so it looks better. Front door also very draughty but can't have a curtain because, being an old barn and a odd conversion, the door actually does not have a proper top frame on the inside but is just a cm below the ceiling. Again, could be solved but not worth it given plans. (potential plans)
However @Suffolk_lass got me thinking about what I actually burn. There is a lot of free wood about the place that will be burnt this winter - but - as well - I should research what else to burn as there are might be better options than the homefire ovals we bought previously.
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!5
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