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Watty's Awakening

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Comments

  • savingholmes
    savingholmes Posts: 29,138 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds really frustrating. Good to be aware of the safety risk though - even if it annoying.
    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 16/1/26
  • Chrystal
    Chrystal Posts: 2,029 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Hope it's sorted soon, but well done you on being so pro active.  (((hugs)))
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • savingholmes
    savingholmes Posts: 29,138 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on sorting it. Sorry you still have the scars from previous negative experiences. 

    Hope you get a nice ride on your horse over the next few days to cheer you up.
    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 16/1/26
  • Cherryfudge
    Cherryfudge Posts: 14,686 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Watty1 said:

    Although my sensible brain tells me I should get comparative quotes this chap (a) turns up (b) is likeable and importantly (c) the standard of his work seems really good.  My inclination is to use company funds to do the work and repay as and when.   
    I think the only thing to add to that is recommendations from others who've had work done by the same person. It can be so hard to get someone who actually turns up that that is a significant factor.
    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)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • savingholmes
    savingholmes Posts: 29,138 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think if his quote is reasonable - I'd go with him. You can check rough prices on sites like with 'a trade' in the name.
    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 16/1/26
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