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🌞 Happy Days in our Golden Years 🌞
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Good to hear from.
Boo to the blooming builder but yah to spending Christmas with the Youngest FortunateI 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. ***Be the difference.***
One debt remaining. Home improvement loan.5 -
ooo - how exciting that the littlest will be with you for the holiday - and so nice that YF's Mom will experience a Christmas meal out! - these are the things that happy memories are made of!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)4
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Lovely to hear from you. Sorry about the builders I dread every having to get tradesmen in. How old is FDdog now? Sorry he’s not up to the journey I still see him as a mischievous pup x2025 Decluttering 13021⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️5 -
As the reigning queen of difficult conversations I am sure you can sort the builder out.
Welcome back!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/255 -
Yes standing by for updates @Fortune_Smiles! I only wish I could be a fly on the wall at the relevant moments; you'll be fab. Love Humdinger xx5
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savingholmes said:As the reigning queen of difficult conversations I am sure you can sort the builder out.
Welcome back!Humdinger1 said:Yes standing by for updates @Fortune_Smiles! I only wish I could be a fly on the wall at the relevant moments; you'll be fab. Love Humdinger xx
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living8 -
Aint nobody got time for that 😂
I've spent pretty much the whole week getting documentation ready for the solicitors and I'm not even half way through yet. Feeling very resentful that my precious time is being taken up in this way but I'm trying to think of it as a worthy cause if it at least stops bully builder from doing this to anyone else. I've given myself the weekend off to recuperate.
Yesterday was spent progressing the dinosaur play mat/bag I started in June 🤭 I'd put it aside as I needed some notions to complete it and then was seduced by other projects 🙄 However, as we only have 81 days now until a certain event 🎄 I thought I'd better getter a wriggle on with it. So the play mat/bag and one dinosaur is finished. I just need to make all the other 'saurus to go with it.
Today we are going out for lunch at the brewery. It will be nice to get out of the house for a while (it's been glaring at me all week due to my neglect of the housework). Later I'm planning to make a dinosaur or two 😁.
This week my focus needs to be on completing the claim with the solicitors 📜, cleaning the house 🧹 and going to the gym 🧘♀️. I've been wanting to add an extra class to my exercise plan for ages and, as a gap has just opened up in my diary, I want to take advantage of that before it gets filled with other stuff.
Thanks for the support guys and have a great Sunday.
Fortune x
(If anyone's interested, it's a free pattern/tutorial: https://www.benziedesign.com/blogs/tutorials/dinosaur-playmat. The tutorial is for hand sewing but I made my version entirely on my sewing machine.)
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living14 -
Fab sewing Fortune! - that's going to be a wonderful toy that will be used and loved 👍😁
Greying XPounds for Panes £7,705/£10,000 - start date Dec 2023
Grocery Spend October 2025 £181.10/£200
Non-food spend October 2025 £40.41/£50
Bulk Fund October (month 10 of 12) £0/£35.204 -
That's gorgeous!5
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A absolutely lovely creative project as yours are always prone to be! I've got crafting envy 😉
As for the builder, you are 💯 % correct to take him to court, you've got my backing all the way. Don't feel bad for his family - he's mucked you around and every action has a re-action. It's on him, not you if anyone in his circles suffers because of his misdeeds!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)6
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