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Tales from The Shire

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Comments

  • Jessy103
    Jessy103 Posts: 2,388 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Wishing you a speedy recovery, fortune ❤
    Mortgage Balance as of September 2025 £11,700
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • Cheery_Daff
    Cheery_Daff Posts: 17,550 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad to hear you're wearing pants again! 😂😂
  • SandyShores
    SandyShores Posts: 2,000 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    We did Mr Shore's car online Fortune.  It was surprisingly easy to add or change a car.  Not so easy is getting a response from HMRC.  We've submitted two queries - one was dealt with but they don't email you, they just mark it as resolved online.  Trouble is its just the code, so you then have to look up the code they gave to your query.  We've found out which one hasn't been resolved, which is the one we submitted to say no tax return needed this year.  We'll have to log on again and find out if they've managed to deal with that one.
    "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 

  • beanielou
    beanielou Posts: 96,588 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    beanielou said:
    I love 'Up'

    Have you seen the new one @beanielou and @Suffolk_lass - the one that started in 2000?

    Fortune x

    Yes, will also follow that  :)
    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.
  • beanielou
    beanielou Posts: 96,588 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Could you maybe try some seated chair yoga ? 

    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.
  • Suffolk_lass
    Suffolk_lass Posts: 10,451 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad to hear you're wearing pants again! 😂😂
    It's more entertaining the telly, this diary!  ;)>:)
    Save £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
    OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad to hear you're wearing pants again! 😂😂
    It's more entertaining the telly, this diary!  ;)>:)

    I agree 😄😄
    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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