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EH - Essex > Hebrides...the next step of the adventure?

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Comments

  • Cheery_Daff
    Cheery_Daff Posts: 17,707 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Cheery it really has been an excellent Friday - I hope yours has been every bit as lovely!  
    Ha, sadly not - started well with a cafe breakfast, but I was anxious and fretty all morning then twanged my back trying to turn the compost and spent the rest of the day sulking on the sofa 🙄😂 No flapjacks for me sadly! Very glad you had a jolly day though, I'm going to try again tomorrow 😊
  • EssexHebridean
    EssexHebridean Posts: 24,855 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh no - poor you Cheery - if I was closer I’d deliver you some flapjacks!  Glad at least you got a cafe breakfast in there mind - and fingers crossed for today being a good (better!) one! 😘
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Cheery_Daff
    Cheery_Daff Posts: 17,707 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ha, thank you! I'm mostly just annoyed cos I had a big list I wanted to get done this weekend - but in reality most of those things have been on the list for weeks anyway, so... 🙄😂
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 22 March 2022 at 9:39PM
    Gym nearer work sounds good. Is it part of a chain?

    Good luck with your speech.
    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 10/10/25
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