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Tales from The Shire

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congratulations on your impending pensioner status. Hope you feel better post jab soon. Virtual book launch sounds interesting.
    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
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,149 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Ooh, congratulations on your impending pensioner-hood Fortune!! How lovely. I hope you feel well enough to enjoy your day xx

    Thank you @Cheery_Daff - I felt well enought to eat lots of chocolate 😆

    Fortune x

  • Fortune_Smiles
    Fortune_Smiles Posts: 5,149 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Congratulations on your impending pensioner status. Hope you feel better post jab soon. Virtual book launch sounds interesting.

    Thank you @savingholmes.  The virtual book launch was great - maybe something to consider for your next one?

    Fortune x

  • Fortune_Smiles
    Fortune_Smiles Posts: 5,149 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Sparkling wines are a great food pairing for salty food @South_coast - give it a try 😁

    Fortune x

  • beanielou
    beanielou Posts: 96,827 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you had a lovely day.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • greent
    greent Posts: 10,859 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like a lovely day x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
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