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Prosperous soul in the making

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Comments

  • Oh my - that's just stunning isn't it! 
    🎉 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 Calculator
    she/her
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    They were knitted. Really pretty.

    I am exhausted today. Not surprising really as was up at 6 for DD.

    Conveyancer sent new form to Ex so hopefully nearly there. Will take 5-10 days from when they are received by the solicitor to complete. I am expecting Ex to bring it later when he comes back for other stuff.

    The delay is slightly irritating but not huge deal as Ex has mostly gone anyway.

    I need to try and halve a 100 page report for work. Not going well....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 16/1/26
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