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Baby steps to mortgage freedom for beanielou.
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Happy Birthday ๐ง๐๐5
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A very Happy Birthday to yoooooooou ๐ถ๐ต๐ถ๐ต
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living4 -
Happy 60th! May you live long and prosper.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 ยฃ202K now ยฃ171.8K Equity 36.37%
2) ยฃ2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC ยฃ27.9K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.25K) = 34/ยฃ127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target ยฃ17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum ยฃ15.8/30K 52.67%)
5) SIPP ยฃ5K updated 10/10/253 -
Thank you everyone so much for the lovely birthday wishes.
Thanks to those of you who sent cards & gifts.
So appreciated by me.
I had some moments of being sad this morning, missing my dad & Mr N & Jack.
Then moved on as you do.
Went to a very lovely hotel for a very lovely afternoon tea.
So I have had a good dayย
I 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.11 -
Glad you've had a good day Beanie - belated happy birthday from me too! Xx6
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Happy birthday to you Beanie XXX Love you lots XXXยNevertheless she persisted.5
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Belated happy birthday Beanie5
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Glad you had a lovely day xx"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 McGee4
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Late to the party, as always. Hope yesterday was the start of a wonderful decade.Mortgage at 01.01.14 ยฃ119,481.83:eek: today ยฃ0 Emergency fund ยฃ5.5/5.5k & ยฃ200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. Iโm not perfect but Iโm good enough for now.5
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Happy birthday for yesterday from me too ๐ฐ ๐ธ๐พ๐xxย5
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