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Hope is not an Effective Financial Strategy

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  • Jessy103
    Jessy103 Posts: 2,236 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Sorry to hear about your doggo, SJ. I hope all goes well with the surgery and wish him a speedy recovery ❤
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about your pooch. Hope it improves soon. 

    Good luck with the decluttering mission.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Sorry to hear about your pooch, hope that the surgery goes well. CM
  • Fingers crossed for the woofer SJ. They really are part of the family so it’s always emotional. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Hope doggo recovers quickly SJ.

    Fortune x

    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Cheery_Daff
    Cheery_Daff Posts: 17,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Poor dog 😕 here's hoping for a swift recovery for both him and your finances. What wisdom in not making a decision when emotional.

    Glad you got out for your half marathon, well done! Lovely way to end the year.
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