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Hope is not an Effective Financial Strategy

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Comments

  • greent
    greent Posts: 10,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Very pleased to hear that pooch is still with you!
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you and pooch are okay.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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
  • themadvix
    themadvix Posts: 9,446 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Lovely to hear your pooch is back to being well - vets can do amazing stuff these days. And it sounds like you have an excellent one too, clearly keeping you and pooch in mind after consultation.

     Looking forward to your plotting…
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Suffolk_lass
    Suffolk_lass Posts: 10,869 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hooray, one of my favourite diaries! Welcome back and how marvellous that the vet went off and investigated (they are of course, members of our families and much loved). Looking forward to reading more.
    Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
    My keep within our budget diary is here
  • debtfreeoneday
    debtfreeoneday Posts: 5,082 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Welcome back. Sorry to hear about the whirlwind with the dog but pleased that he is doing well now. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Suffolk_lass
    Suffolk_lass Posts: 10,869 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just wondering if a "complete diary reset" was a new thread I have missed? Hope you are back soon @shangaijimmy
    Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
    My keep within our budget diary is here
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