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Tales from The Shire

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Comments

  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Definitely sounds like you need to take things slow and easy. I'm always amazed by how much you do - even when cutting back... Be kind to yourself - kinder even. Sit back and enjoy the view.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • Definitely sounds like you need to take things slow and easy. I'm always amazed by how much you do - even when cutting back... Be kind to yourself - kinder even. Sit back and enjoy the view.

    That's what my mum used to say to me SH - "Don't forget to enjoy the view" 😊

    Fortune x

  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Enjoy the nap. Glad you got to enjoy the snowdrops and a decent walk and time with friends - and a 'date' with your DH.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • Suffolk_lass
    Suffolk_lass Posts: 10,803 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That all sounds lovely (nap included). We also had an evening in front of the log-burner and it was toasty warm. I have a valentine card - it says "I'm yours. No refunds. Happy Valentines Day." How romantic... no treat meals here. Soup for lunch then left over stew for supper. If he's lucky I might do a cobbler top
    Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
    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 in 2026 discussion thread
    My keep within our budget diary is here
  • beanielou
    beanielou Posts: 97,792 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Take care  x
    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.
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Look after yourself. Listen to your body. It's such a difficult balance isn't it with social stuff, and then all the things life seems to throw at us. Like you I don't always duck that well... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • ruby_eskimo
    ruby_eskimo Posts: 4,837 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Oh dear Fortune, glad to hear the back is doing better but sorry to hear you've both come down with this bug.  DH has had it all week as well.  Hope you're both feeling better soon and manage to weather the storm without anymore damage!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • Cheery_Daff
    Cheery_Daff Posts: 18,054 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Aw Fortune, gentle hugs for you ((((()))))) Send get better soon vibes your way, and I hope you are feeling sprightly and able to get out nd about properly soon. Fingers crossed for no storm damage xx
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