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Tales from The Shire

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Comments

  • Thank you so much for posting the poem. It’s so appropriate for what’s happening in the world at present
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • savingholmes
    savingholmes Posts: 29,085 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fantastic poem. Thank you. Happy New Year
    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
  • SandyShores
    SandyShores Posts: 2,000 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Love the poem - my 2022 resolution is to be positive and see the positive.  Happy New Year Fortune!
    "Think of many things, do one"
    Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • Cheery_Daff
    Cheery_Daff Posts: 17,574 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about your wash put day Fortune. Hope you're feeling better today though xx
  • SandyShores
    SandyShores Posts: 2,000 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Echo what Cheery_Daff says.  Glad you feel a bit better. You have been so busy, so hopefully you are recharged now.  

    Its great that your overpayment allowance shows.  I would have to work ours at, although we will be nowhere near to that anytime soon.
    "Think of many things, do one"
    Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • themadvix
    themadvix Posts: 9,036 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Hope you’re feeling better today Fortune.

     Thanks for the reminder to check our OP allowance!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


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