We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Prosperous soul in the making

1238239241243244396

Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks DIA. Prices can be scary. Veg prices are seasonal so I can understand that... Feel DH is sabotaging. He's just taking DS to the chicken place. Hope he's doing it out of personal spends as only £20 left in the eating out budget an the K place absorbs that even quicker than M. I also want it to last for later in the month...
    It's hard when your partner sabotages. H is terrible for wanting to make a big purchase just prior to payday. He doesn't like waiting but I think he is starting to see the benefit now 
    DH is paying for takeaway himself this time.
    I know the feeling re big purchase. We're each getting better. Having said that - asked DH what he'd like to do with his life if £ was no object... become a h3lic0pt3r p1l0t.... £10-55K cost depending on whether private or commercial licence... Potential salary sounds good though £55-120K - average £82K from one site... I'm not sure there's that much £ down the back of the couch but could give it a go....
    Do you use all of the groceries you buy or is anything being thrown away?
    We still waste some food but again better than we were. 
    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
  • jwil
    jwil Posts: 22,467 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you've had a good day with the book. :)
    "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: 17,164 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Used to be free training in Europe and some carriers used to do it free too, that changed years ago.

    Unfortunately, as you kindly pointed out, there's one of the relationship dealing with the purse and the other leaves them to it. 
    Mortgage started 2020, aiming to clear 31/12/2029.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.8K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.