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Prosperous soul in the making
Comments
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DH doesn't know his details either!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/251 -
The time will soon fly by and you can begin to relax.
Can DD sub you until tomorrow?Mortgage started 2020, aiming to clear 31/12/2029.3 -
That isn't good. It is so annoying when you have to verify to get your own money, but I guess if it was someone else after it, we would be grateful that they are being vigilant. Do you desperately need it tonight, or are you just annoyed you cant get it when you want it?
But to be honest, I have never has a good transaction with N'W1d3. Some people love them and I never understand why.
I would suggest something like a Slo Gin. Preferably home made. Puts life into perspective.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 Park7 -
Hi MF - DD can't sub me as her £ is there too - in my savings account. I think I have 4 accounts with them. With mine and DD's money in - they have about £1350 of our money so really frustrating!
Tahlullah - I'm scraping the bottom of my main account as I filled up with fuel today which wasn't originally planned - I was going to wait - but I've had to ferry DD to sixth form and back and it wrecks my fuel consumption and I wasn't sure it would last. My Mum happened to just ring though about xmas presents - and they are going to send me the money for what I've already bought on their behalf - so about £77 worth. DS also should have given me £100 but hasn't been paid himself so can't. I'm miffed more than anything. If the worst came to the worst - we also have a £100 buffer on one of our main bank accounts that we can go o/d for free but obviously that's not the plan. Even on the account we spend most from we also have an agreed o/d facility - it's just the principle and I suppose the shock!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/257 -
It worked no problem today - don't know why. DS has finally being paid by all 3 of his outstanding sources - so now I am chasing my £100 off him. Mum still hasn't sent the £67 but promises she will. I'm trying to rewrite my job description but it's harder to do than it sounds. Really looking forward to breaking up for xmas. Next Wednesday night as long as I keep my hours up between now and then - otherwise may end up working part of Thursday. Currently having a late lunch. If you can call Pr1ngl3s that LOL. I might do some more studying instead - as work are paying for some books for me - which reminds me I need to submit an expenses claim for the audio ones.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/257 -
Maybe their system was updating or something. DS will settle up soon.
Keep coffee on the boil to get you through the last few days!Mortgage started 2020, aiming to clear 31/12/2029.5 -
Nearly there...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 Park5 -
Received mum's £ so knocked another £60 off target CCAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/257 -
Off to the hairdresser this morning. Then that's my last expected outing until I see my family at xmas. Still discussing with DD what school she would skip next week - I'd like her to have at least a 10 day gap. They are doing her Friday lessons online now.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/257 -
It would be great if I could sleep. I did only get up at 1.30pm though. Put a few more decorations up. More to go. Nearly finished buying. Halfway through wrapping. Just need to buy odd stocking present and I'm done. Rest are cash presents.
Paid another £123 off debt. Get paid Tuesday.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 £4.8K updated 29/7/259
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