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From debt to freedom...

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Comments

  • janb5
    janb5 Posts: 2,680 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Btw you are inspiring me re doing more planting in the garden such as cerinthe and cornflowers etc.  Thank you ++


  • savingholmes
    savingholmes Posts: 29,065 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hugs. Does the asthma mean you are on a protected group list and shouldn't be returning to work?
    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
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