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Prosperous soul in the making

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Comments

  • savingholmes
    savingholmes Posts: 29,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks HSL, MF, Jwil
    The new target cc has no paper statements. I haven't accessed account for over a year. New details haven't arrived yet. Was set as direct debit min payments. Now in position to pay more but won't let me past security. Ridiculous. H**C
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • Lovely to see the cards disappearing one by one.  Hope the spicy soup was warming.  I managed to overdo the spice in the curry tonight.  I swear I followed the usual recipe, but might have used an actual teaspoon for tea, rather than a teaspoon measure.  Me, cooking and tiredness definitely doesn't work.
    "Think of many things, do one"
    Mortgage 30Jan'26 est. £204,205 £309,749 2020 (ends 2038 - aiming for 2031)
    Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga 

  • savingholmes
    savingholmes Posts: 29,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Sandy. We're getting there. DH gets paid Friday - but as far as I know he hasn't submitted his OT claim yet which is irritating. I've done a bit of work on social media marketing tonight both for today and other days. I am experimenting with different methods and will see what works. I also edited a little of book 2.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • savingholmes
    savingholmes Posts: 29,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Written another scene of my book 2 - increasing my word count by 853 even after earlier editing some out. Pleased with that. 9th 5* rating. Reviews make the most difference to a purchaser's decision - so very grateful.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
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