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Prosperous soul in the making
Comments
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good luck SH - sounds like you are keeping the lawyers out of it which is good!!I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Doing our best to agree amongst selves and confirm via legal... Really hoping it goes as smoothly as possible. Both trying keep costs low so we minimise future mortgage debtAchieve 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 -
Sorry to hear your news. I hope everyone is ok and DS/DD are understanding.
However amicable it is it must be difficult for you all now.
It was a brave decision to make and share.
Take care of yourself and the family, G.
If it's not adding up, compound it!5 -
Keep sorting things between yourself as it will be less stressful and helps retain a civil relationship.
Maybe the valuer will do a desktop one and not attend your home.
When things are more settled do explore the glasswork as your first piece has worked well.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Sending love & strength at what must be a challenging time.
Take care of you x4 -
Sorry to hear your news but obviously right for you both, perhaps it's been a factor in you being so unsettled over the last few weeks.
I hope the process is not stressful and you can move on with the next part of your life.
Keep looking after yourself, H x5 -
Just popping in to echo everyone else's sentiments SH. It can't have been an easy decision to make, but you can start the process of moving on now. Take Care, Sandy x"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/yoga4 -
Thanks guys for your continued support.
Well I filled a bin bag and charity bag today with stuff I was decluttering. Sadly though I knocked some oil over my bedsheets and it soaked through the mattress protector onto the mattress. I've managed to turn the offending part of the mattress and tried to blot it up with paper towels - but not sure I'll manage to get the oil out of the sheets. Luckily I found an old mattress protector in the airing cupboard so I have put a towel over the offending patch and then put a clean sheet on the bed... When I do get the money - the mattress already needed replacing but... I will probably need to wait until more like January from an affordability perspective...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 -
Gosh SH you don't do things by halves. Hope everything goes smoothly for you all
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1246 -
Thanks Lucielle - very true.
Had an okay day. Rested most of it. Did about an hour in the garden. Walked the dog. Listened to a story...
Took DS to a couple of shops but only spent £1.79 myself despite huge temptation...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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