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Prosperous soul in the making

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Comments

  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well DH got a shock the patio was more than double the cost he had thought so that won't be happening. Will look to improve the grass in September instead
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • doingitanyway
    doingitanyway Posts: 10,066 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    So much veg. I'm jealous. I managed to grow some beetroot and so happy with that I would be overexcited if I had a whole veg plot.  :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Can you not try a couple of other people for patio quotes, before making a final decision.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Last night stopped taking one tablet and was literally awake all night (withdrawal) not good. It was bright outside too. Lovely day again outside. Watered veggies. Need to work again now.

    Money is doing okay should end month with £1k EF even if have to pay uni. Still not heard from them or the chairs since end of April.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • EchoB
    EchoB Posts: 124 Forumite
    Third Anniversary 100 Posts Name Dropper
    Great that you can see your parents again. 
    Having £1k EF irrespective of chairs/accom is fantastic.  It is so frustrating that you can’t get an answer on anything, that would really annoy me!
    x
  • hugglemonster
    hugglemonster Posts: 1,245 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Great news on the EF, well done.

    It will be lovely to see your parents, we went over to mine last night and sat in the garden with them it was so nice to get everyone together even though we could still use a hug!

    Have a lovely day, H x
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Your evening sounds fabulous and just what everyone needed.

    We are using an old bin as a water butt, the ones running off your pipes are supposed to be good, if a little pricey.

    Have you raised a PP dispute to get your money back? If not, do that too.

    OMG, make sure DD only buys things from over here, as them charges are horrid and often catch people out 😔

    Good grief, I think we all want DS' jobs, if that's the hours for the income!

    Hope you have a good day.

    Mortgage started 2020, aiming to clear 31/12/2029.
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