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Prosperous soul in the making
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Balance class went well. Instructor said she cried literal tears of joy last week at my improvement which was very sweet.
I came out of the class though to yet another tyre warning. I'd had to refill them at the weekend with BIL as there was a problem. It appears to have reoccurred with one tyre in particular but the others also looked like they'd lost pressure. I've refilled them all. Ex has agreed to look at them for me tomorrow to check I'm not doing something wrong when I try to refill. Really hope it's not a problem with all 4 tyres. 1 tyre bill I could cope with but all 4 would not be great!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/266 -
I had to declutter the last white chocolate magnum from the freezer the other night - tough job but someone had to do it
"Think of many things, do one"
Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga6 -
Hi Sandy - may that kind of decluttering reign! I decluttered a double decker... and some orange creams.
Had jacket spud, cheese, tinned salmon, lettuce, celery, spring onions and half a pepper for tea. Was good to get some veg in me. Likely to be a mix of freezer surprise and pasta tomorrow!
Got some bad news about wider family earlier so head spinning on that. Hope it doesn't stop me sleeping.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/266 -
Sorry to hear about your bad news SH, you have enough on your plate, hope everything is okay."Think of many things, do one"
Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga4 -
With tyres it could be the valve area is faulty, something is / was stuck in the tyre or the tyre isn't sitting on the wheel right (usually due to knocking the kerb when parking.
- Former is about £10 for a new valve, simple way to check is carefully move it up, down, L and R listen for air coming out.
- Latter two are £10 - new tyre.
I'm sorry to hear about family and hope everything will be ok.Mortgage started 2020, aiming to clear 31/12/2029.5 -
Sorry to hear of the bad news in the family.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20254 -
Do you use a separate pressure gauge to check the tyres before connecting the pump and putting air in? If so, then use that again afterwards to make sure you're at the right level. If not, and it's just the gauge on your pump you use, then if you are - like me - a bit rubbish at getting the connector off again smoothly so lose air while disconnecting, get into the habit of pumping up to around 1 lb over pressure - that should account for what you lose as you remove the connector. If you don't lose any air just a single lb isn't enough to cause an issue.
Hope your bad news isn't too far reaching.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her7 -
Sorry to hear of the bad news, sending positive thoughts and best wishes.
H x3 -
You are all lovely. Thanks for your kind messages.
I slept reasonably ok but feel exhausted. It's something out of my control with the wider family but which I may have to offer support with which could then be traumatic for me... Such is life.
Tyre ok on short trip for comfort food, Clementines and milk. £8.5 spent. OopsAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/267 -
Sorry to hear about the family member. Hope everything is ok 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 McGee5
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