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Tales from The Shire

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Comments

  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Always nice to have spring flowers. My crocuses are out. My cyclamen are doing well
    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
  • Our shared fence succumbed this morning, it was flapping about in the wind. As it was threatening to fall on our side of the garden and our plants, we went out to remove it.  It was very heavy for two no longer young women, could have done with Mr F's chain saw.
    Mortgage Free November 2018
    Early Retired June 2020
  • Our shared fence succumbed this morning, it was flapping about in the wind. As it was threatening to fall on our side of the garden and our plants, we went out to remove it.  It was very heavy for two no longer young women, could have done with Mr F's chain saw.

    I was fence part and tree mover this morning Staffordia - hard work but it did make me feel better about the chocolate fudge cake I had for elevenses 😆

    Fortune x

  • beanielou
    beanielou Posts: 96,615 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your wee night out 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.
  • Suffolk_lass
    Suffolk_lass Posts: 10,451 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You do know it freezes, don't you?! (CFC I mean)  B) - lalala (I'm not listening) is an acceptable response...
    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
    Hope you had fun last night.

    Glad no major storm damage
    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
  • themadvix
    themadvix Posts: 9,035 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Good luck and hope you have a safe journey this afternoon - I don’t blame you for not wanting to cancel anything else, it’s been a bit of a grotty start to the year for you!
    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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