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

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Comments

  • milann
    milann Posts: 11,767 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Sounds as if you had a fantastic time despite the heat. 
    Ice if any sort must be a food group this week 👍
    January spends - £587.58
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I just skimmed the energy board and saw your Utilsh1tty saga in full.  Oh dear.  Oh dear.
    Mortgage at 12/07/2022 = £175,000
    Mortgage at 31/03/2026 = £154,976.87
    300 256 payments to go.
    House buyout fund £26517.34/£36,000
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    On the choc bar - obv most important part of post - perhaps he froze it before hand...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • Cheery_Daff
    Cheery_Daff Posts: 18,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooh naughty breakdown people! As you say, they likely would have sorted it if you'd actually broken down, but I do hope you get your refund!
  • redofromstart
    redofromstart Posts: 6,226 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Giggling at the stealth cold biscuit bar, my OH insists on carrying all of the chill bags etc hidden in 'normal' rucksack.

    Our current 'lunch' obsession is basil pesto/tinned lentils/fridge bottom veg which is cheap and cheerful whilst being distressingly healthy.  
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you sorted the breakdown cover. What a faff tho.

    Pasta sounds tasty.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Don't worry about diaries. It sounds very busy in your world - especially in the run up to your beer festival.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Oh Gloucestershire.  My grandparents lived there.  I loved going there as a child, every summer.
    Mortgage at 12/07/2022 = £175,000
    Mortgage at 31/03/2026 = £154,976.87
    300 256 payments to go.
    House buyout fund £26517.34/£36,000
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