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Prosperous soul in the making

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  • savingholmes
    savingholmes Posts: 29,001 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I like the beans suggestion. Will give that a go. Will suggest the scrappys to DH - we aren't used to having older cars anymore.
    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
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    I've only ever had old ones, keep them going until no longer viable, then move on to the next one. Although, your definition of old may be newer than my definition (15-20 years old)

    It may also be worth posting up in the motoring section for ideas and permanent fixes, just in case the sump isn't splittable.

    The brush trick is a common one and gets results 🤗
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    MovingForwards, I think you mean PTFE tape.
    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
  • jwil
    jwil Posts: 22,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the meeting went well and hurrah for the harvest!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Hope the refunds / returns are sorted quickly for you. The kitchen will fall into place when you are more rested.

    Wales will be a wonderful break and some quality time with DH is overdue. Perhaps there are some NT places to visit, unless you have other plans.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • jwil
    jwil Posts: 22,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Weekend away sounds fab :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Hope DS and DH recovers soon.

    A lot of Wales is nice, great scenery and well worth a weekend away.
    Don't rule up here out. It would be a complete change of life as it takes a while to get back to places eg your job. The rural locations with land can be subject to crofting laws, which brings the price down in a way. The borders / south Scotland would give you the option of working in Scotland and England
    When I hit the border and saw the "welcome to" sign on the M-way, it was going to be hard to go back to where I was from. When I got to my destination I knew I had to move. I hadn't got any ties keeping me anywhere and could start over in whatever destination took my fancy.

    What is the plan for DD, when the time comes? Perhaps tone down discussions about moving while she is around and doing her exams, but still work all your plans and ideas out.

    Sell the base, you are not keeping it for a just in case moment!

    Think my sibling uses P-rc3l2Go to find a courier when shipping things up to me, it's like a courier comparison site.
     
    Mortgage started 2020, aiming to clear 31/12/2029.
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