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Prosperous soul in the making

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Comments

  • Chrystal
    Chrystal Posts: 2,008 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Really pleased for you at the way the book sales are progressing.  :smile: I'm looking forward to reading the next one too.
    Hope you're feeling a bit less tired and that the toothache has disappeared!  ((hugs)) 
     
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • Blackcats
    Blackcats Posts: 4,012 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Glad you are feeling chilled.  Loosening the budget a little is fine as it keeps OH on board and has minimal impact on your soon to be debt free date.  I hope you enjoy your takeaway.  I was going to have a takeaway tonight but I used a spice tailor mix to create a yummy curry instead.  To be totally honest it wasn't me being saintly and saving money, I was just too lazy to want to go out and collect a takeaway 😇
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Blackcats. DD enjoyed her burger but I was really disappointed with our food. I won't be going back to either. Oh well. Just trying to break the cycle. At least I know I'm not missing anything. Am**** have sent me the same wrong size journal twice in a row... You'd think they'd learn... I'll get it picked up Monday. I watched a really nice film earlier though....
    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: 22,485 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you've had a relaxing day x
    "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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