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Turning Straw into Gold: Creating Long Term Security & A Solid Home
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I also live in an old house in a conservation area and needed double doors replaced. A local joinery works did a great job more cheaply than a door supplier
June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest1 -
Thank you, these were quotes from local joiners, though I am going to contact a few more. I think it's because of the size and shape (it's massive and not rectangle) and they will have to custom build it.
Updated last day of the month… focus improving overall net wealth…
Mortgage: starting at -£222,469 (Jan 26) now at -£220,618 (Jul 26)
Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,484 (Aug 26)
Personal Loan: starting at -£11,466 (Jan 26) now at -£10,100 (Jul 26)
Emergency Fund: starting at £5,511 (Jan 26) now at £2,541 (Jul 26)
Investments: starting at £50 (Jan 26) now at £990 (Jul 26)
Jan 27 Tax Fund: £2,627 / £3,298 (Jul)
Net Wealth: starting at £18,778 (May 26) now at £15,139 (Jul 26)
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Gosh. Homes can be such a money pit, aren't they? I shudder to think about the amount of money I've spent doing mine up over the last few years, and I'm still not done. 😖
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £16,584
Laptop loan: £1,500 / £0
I eat far too much chocolate...1 -
@Chocolatefund, they are indeed, I absolutely love this house, but sometimes I think fondly of selling up and renting a room in a shared house and piling all of my cash into investments. But I worked all my life to live in a house I like, so I am sticking at it a bit longer and doing one thing at a time, as I guess houses are a lifetime project despite the world around us telling us it should be a glamorous show home RIGHT NOW. What have you had done on yours? Mine's been roof and chimney repairs, radiators, pigeon proofing and garden work so far.
I've just made a massive spag bol with stuff I already have, which should last me until the end of the week, so I can delay my grocery shop until maybe Sunday. I reckon if I try to have a week a month where I don't do one. The stuff I got for the meal plan last week has lasted me over a week, so that will keep the cost down. Someone wants to car share to the workplace with the expensive car park this week, so that's good too.
Updated last day of the month… focus improving overall net wealth…
Mortgage: starting at -£222,469 (Jan 26) now at -£220,618 (Jul 26)
Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,484 (Aug 26)
Personal Loan: starting at -£11,466 (Jan 26) now at -£10,100 (Jul 26)
Emergency Fund: starting at £5,511 (Jan 26) now at £2,541 (Jul 26)
Investments: starting at £50 (Jan 26) now at £990 (Jul 26)
Jan 27 Tax Fund: £2,627 / £3,298 (Jul)
Net Wealth: starting at £18,778 (May 26) now at £15,139 (Jul 26)
3 -
My house was a fixer upper. Solid bones just very dated. Renovated every room including remodeling the kitchen and bathroom. Did all the painting and decorating myself, some carpentry/skirting board and LOTS of wallpaper stripping. I took out a home reno loan plus kitchen finance, which ended up resulting in my previous debt free dairy. 😆
Got some internal doors to re hang and Id like to replace the front and rear door, but they're not urgent. Id like some proper fitted wardrobes one day too.
Totally worth it. You're spot on when you say that it's a lifelong project. My double glazing is OLD and will need replacing some day. I would also love to landscape that jungle that's meant to be called a rear garden, and one day, convert the front garden into a driveway. Dreams, dreams...
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £16,584
Laptop loan: £1,500 / £0
I eat far too much chocolate...1
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