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Prosperous soul in the making
Comments
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Thanks MF and Dancing. Still having a tough time.
Re-booked to go to NT property tomorrow as the weather is due to be good.
Hopefully will pay more to CC closer to payday when it is clearer what £ we have left. Definitely over-spending currently....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 10/10/256 -
Checked accounts. Turned out we weren't doing as badly £ wise as I thought - I had £400 sat in an account where it shouldn't be. So now moved and asked DH to pay off his CC. Updating signature...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 10/10/257 -
Great news on the extra £400...I'm happy if I find a fiver when I put a pair of jeans on 😆Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
Emergency Fund Target: 3 months saved ✅
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Great news about the £400.
Keep going!Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Sorry to hear you're still having a tough time, keep going though you'll get there xx6
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It’s just so amazing to look at your signature and see the starting figure at the beginning of the year and the current figure now. You have done phenomenally well and are so close to your debt free day. Well done!paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 176 -
Just changed my settings to see what your balance is, that's come down well and soon it will be in the past.
Enjoy the NT visit!Mortgage started 2020, aiming to clear 31/12/2029.5 -
Well done on the payments. Sorry things are still tough. Hope you enjoy your weekend 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 McGee6
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another virtual friend wishing you well and sending congrats on the progress you've made on debt busting. I hope the sun shines for you (and all of us) and that the long weekend does you good.8
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Keep your chin up SH, you WILL get there. ((((hugs)))) XXI 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 unhappy7
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