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From debt to freedom...

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  • savingholmes
    savingholmes Posts: 29,065 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    All us working from home people won't want to go back.
    That I think is the danger some companies/organisations will face. However my place hasn't got their ICT sorted yet - and it's been a nightmare. I know they are working hard to sort it though but with the sheer number of unplanned people working from  home the network keeps booting us out or not letting us in at all.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • Yesterday I saw a plane going over my house and it was like ooh there's a plane 🤣 Feel envious of my cat and dog right now, not a care in the world as long as they're getting fed. All us working from home people won't want to go back.
    I think my elderly lurcher is quite happy to have us home all the time and the nutty puppies seem better for having longer out of doors when we are at the allotment!




    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
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