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Tales from The Shire

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Comments

  • Cheery_Daff
    Cheery_Daff Posts: 17,644 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I would be feeling virtuous too Fortune! 😁

    Shame about the electrician, most displeased that you were put off in favour of the Queen! 😮
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the eating plan. Ouch to the forthcoming plumbing bill!!
    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
  • I would be feeling virtuous too Fortune! 😁

    Shame about the electrician, most displeased that you were put off in favour of the Queen! 😮

    He's re-booked for Tuesday Cheery.  I was prepared to take the hit for Queenie 😂  The only urgency for the electrician is that our extractor fan switch in the en-suite is broken so we're showering with the window open.  That's fine at the moment (we'd have the window open anyway), however, it's going to get colder sooner or later.

    Well done on the eating plan. Ouch to the forthcoming plumbing bill!!

    Thanks SH.  I'm fine with eating healthily at home, it's when I'm out and about I struggle.  Too much temptation 👿

    Fortune x

  • Glad things are settling down for you. Good to maintain boundaries too with uncle F.
    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
    Hope you get your patio sorted. Sounds like you are really sprucing up your home. Well done on the winnings. Have a lovely weekend.
    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
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