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Prosperous soul in the making
Comments
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Good news on the gym membership (and all those classes too!) and you now have the perfect chair to relax in afterwards. It was meant to be.If it's not adding up, compound it!4
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What a great find - looks really comfortable.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 174 -
Love the chair, great find!4
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Fab purchase.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park4 -
Thanks Blackcats, MF, Grogged, Tahlullah, HSL and Dancing
Went to Pilates. Was a nice big room and people were well spread out so that went well.
Just nipped to the shop and C0st@ takeout with DD - so I am now enjoying banana pecan loaf.
Have my counselling appointment later.
I need to try and gather info and submit my company accounts for the first time. Clueless as to what I am doing... Deadline the 21/8Achieve 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 borrowed £235 - roughly 8 days after he repaid the previous amount... [roll eyes]. This time it is for office equipment he can claim back from the new company. He says he will pay back at payday at the end of the month regardless.
Cleaner is here today which means my house is being transformed... LOL Noisy though...
If I failed to tell the tax people when my company stopped being dormant - can I be fined for that? Do I have to submit two lots of accounts - one for before and one for after?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 14/11/255 -
Have you not had to file accounts every year? I suggest you try the cutting tax part of the forum there are lots of very knowledgable people over there.
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I love the chair
"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 McGee3 -
Thanks JwilThanks Bad Memory. I only set the company up a year ago ish so first accounts dueAchieve 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 14/11/254 -
I rang the tax people. I have longer to file a return - like months longer - hopefully I was therefore panicking over nothing.
Took today off as I had some unrelated bad news about a family member. Life definitely sucks sometimes.
Spookily at the weekend I said to OH that the guttering needed cleaning out - and yesterday someone knocked on and offered to do it for £50. Result! Perfect timing. They are here now doing it. We've lived in this house over a decade and only had the gutters cleaned out once before...
Yesterday I bought some new yellow (ochre) velvety curtains in the sale - £20 reduced from £40. Planning to redecorate shortly and change a few things. Ordered some full price curtains at £60 - ochre, grey and white stripe for another room. Obviously going through a yellow phase!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 14/11/255
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