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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
    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • savingholmes
    savingholmes Posts: 29,210 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 £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £44K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 50.3K of £127.5K target 39.4% 3/7//26 (If took bigger lump sum = 72.2K or 56.8%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.7K updated 29/5/26
  • SandyShores
    SandyShores Posts: 2,093 Forumite
    Seventh 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 end July £181,000 £309,749 2020 (ends 2035 -was 2038- aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga
  • Cheery_Daff
    Cheery_Daff Posts: 18,556 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: 2,093 Forumite
    Seventh 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 end July £181,000 £309,749 2020 (ends 2035 -was 2038- aim for 2031)
    Seven Goals; and healthy diet/walk/run/exercising/weights/yoga
  • themadvix
    themadvix Posts: 9,591 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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