We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

From debt to freedom...

1186187189191192456

Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got some rest after traipsing around - it does sound fun
    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
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    All sounding good. My peas and carrots that I sowed either didn't germinate or got eaten. Think I need to try again but do try to find a way to start them off indoors. The pepper seeds I sowed indoors haven't germinated yet but most of the rest has.
    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
  • janb5
    janb5 Posts: 2,680 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    New cake recipe to enjoy!

    HONEY CAKE

    3 large eggs

    250g Clear Honey (and 2 tablespoons to glaze)

    225g Unsalted Butter

    100g Brown Sugar

    300g Self Raising Flour

     

    ·         Pre heat oven to 160

    ·         Butter a 20cm cake tin

    ·         Cut the butter into pieces and melt in a pan with the honey and sugar

    ·         When liquid increase heat and boil for 1 minute

    ·         Cool mixture for 15-20 minutes

    ·         Beat in the eggs

    ·         Sift the flour into a large bowl

    ·         Add the honey mixture and stir until a batter consistency

    ·         Pour into baking tin and bake for 50 minutes to 1 hour

    ·         Glaze with honey and leave to cool

     

     


Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.