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Prosperous soul in the making

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Comments

  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @redofromstart Yeah my DD turns 18 this year - DS is 23 so we can leave them behind guilt-free other than exam season. That's the hope anyway. Enjoy your night in Bath... Do you dress up as the character or just like to walk the streets the characters walked?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • redofromstart
    redofromstart Posts: 5,870 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I have never been, always wanted to go.  I just want to see the places in the books.  Himself says he is destined to be ignored all weekend, 'no dear, you will be a regency hero, you just wont know it'
    My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese

    GNU Mr Redo

  • Blackcats
    Blackcats Posts: 3,916 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    You deserve a night or 2 away. I always think that 2 nights is much better value - I love having a nice breakfast then going out for a few hours then coming back and chilling in the bar rather than having to eat breakfast and then checkout straight away.  There are some good deals on secret escapes.  They email each morning and I'm always tempted.  
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Can you get in the assembly rooms and the pump house? Not sure it's been a while since I've been. Worried I may be mixing it with Harrogate in my mind - which also has a pump house / baths.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • MovingForwards
    MovingForwards Posts: 17,150 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    I also think you should do 2 or 3 nights, the first night is a write-off as you unwind.

    Congratulations in advance for midnight!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    MovingForwards said:
    Congratulations in advance for midnight!
    It's like you know me!! If I am awake anyway - might as well do a money shuffle right?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    It would be rude not too...
    If it's not adding up, compound it!
  • savingholmes
    savingholmes Posts: 28,997 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Absolutely Grogged - so drumroll £1222.16 paid off target card 3 - and then there were 2!!!
    New total debt balance is an unbelievable £6913 !! (started year at £15212)
    It feels amazing. I know we still have further to go but other than when we got the PPI reclaim this is the quickest we've ever paid off debt. Might have to do a little dance...

    New target card is £5473
    Last target card is £1440

    I can go to bed now LOL.... 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,811 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    That’s amazing progress SH, a huge well done!
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000     EF £140. Savings 2 £30.00. 17
  • mark55man
    mark55man Posts: 8,220 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    well done SH - its the final countdown - or rather another one bites the dust
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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