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Prosperous soul in the making
Comments
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Well done on the decluttering and the steps. Fingers crossed for DS too."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 McGee5
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Look after yourself Savingholmes. Good progress on the decluttering and your progress is encouraging me to get out stepping again."Think of many things, do one"
Mortgage 30Jan'26 est. £204,330 £309,749 2020 (ends 2038 - aiming for 2031)
Seven Goals; target lose 4lbs by Feb'26; walk/run/exercising/weights/yoga5 -
Thanks MF, Mark, Sandy and Jwil.
DS has applied for 50 jobs so hopefully will get a good outcome soon. Got 3 more bags to take to charity. Still maximising steps too.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 14/11/256 -
DS has determination and will secure something soon.
Well done clearing more out, plenty of people will benefit.Mortgage started 2020, aiming to clear 31/12/2029.6 -
Keep looking after yourself SH, hope the kids jobs sort themselves out.
Well done on the decluttering, H x6 -
Thanks MF and HM. Still plodding along. DS has lots of second and third interviews this week so hoping he lands something. Paid another £14 off debt. Distracted currently...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 14/11/256 -
He will secure something soon.
Debt is coming down and it's manageable now.
Hopefully things will settle soon, keep taking yourself off to see the natural beauty around you.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Thanks MF.
DD's job is now unconditional. She starts 1/9/21. She will be in paid for accommodation with paid for transport for just over a month and a half so that takes some pressure off her (and therefore our) finances.
DS has loads of interviews but has had to borrow another £100 from DH as he hasn't been paid for his last lot of work on time. Hope he gets something soon.
I am at nearly 130k steps for July a significant improvement for me.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 14/11/256 -
I'm so pleased about DD and her job. She has shown a lot of resilience and determination throughout.
DS will secure something soon.
Impressive step count, try to keep it up as that's a great monthly target.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Thanks MF. DS was offered another job today so he has a choice. If he takes the second he's off to a big city if he takes the first - a smaller city. So all change here.
Sorted out some online banking passwords and reset some PINs today so getting organised. My CC runs out in March and DH's runs out in a year or so. He's transferred it on for now. Had some unexpected bills so dealing with them for now - and prioritising health and fitness...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 14/11/256
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