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Prosperous soul in the making

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Comments

  • I've not seen RHPH, that might be an interesting one to watch.

    Lentils are another thing to bulk out mince with. It is easy to eat a whole packet of it without realising and not many people eat spag bol as it's done in 1ta1y with a bowl of pasta and a few spoons of the sauce for flavour. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 10,376 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Just thinking maybe you could buy a mattress topper for now. You can buy a new one when DF but it will still come in handy even then. I know you struggle with sleep sometimes so a comfy mattress is important.

    Your goals once DF are fab.
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Mark.
    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: 22,448 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks for the recommendation, I think I'll try and get some vouchers towards it and get one.

    I echo the suggestion of a mattress topper - it might help while you wait for a new one.  We slept without our topper recently while it was in the wash, and it was noticeably different.  It's only a cheap one from A*gos

    Congrats on the weight loss, that's a great result :)
    "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
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