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£29,303...Enough is enough!
Comments
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Well done on the xmas bargains. I always tried to get my kids presents first so they were guaranteed to get the main thing they wanted... Now they both want money LOL.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
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 16/1/262 -
Haha, yes I've only started on DC3 because he's easy to buy for. The other 2 don't have a clue what they want apart from money. If we're in the new house before Christmas we might get something like a trampoline for them to share. Otherwise, I've got some confetti balloons in a drawer somewhere that I might stuff with some cash and they can burst them on Christmas day.3
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I like the balloon idea... May have to look into that... Where did you get them from?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
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 16/1/261 -
They're leftover from a birthday ages ago but I think it was either home bargains or the pound shop.2
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Trampoline is a great idea - get the biggest you can afford as I think you have a load of space - it will pay you back. Its like a £200 extension - you will not see the kids inside for weeks at a time, and its really good for core strength tooI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Thanks Mark. Yes I want a big one that I can use with DC3 too (well that's the plan but I'm not sure when I'll actually find the time).1
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Grocery shop again this morning and it came to around £80, which is really high for us. We did get a few extra pizzas & snacks as DD is having some friends over on Friday, but even so it added up to more than I expected. I think we need to go back to basics of strict meal planning & shopping lists.
We went for a walk in the hills this afternoon and managed to see the wild ponies, which was lovely.
I'm feeling a bit out of sorts at the moment. Probably a combination of stress over the house move, and feeling a bit overweight and frumpy. I'm struggling a bit with motivation but am really trying to eat better and move a bit more to shift some of the weight. Also trying to look after my skin and overall appearance a bit better. I had an led face mask for my birthday, so have given that a go this evening, along with some under-eye patches to stop me looking quite so tired. I've also managed 2 glasses of water today. We've got a family wedding to attend in a fortnight. I'm not expecting miracles in that space of time, but would like to feel a bit better about myself and look my best.2 -
Well done on the self care. I think you have been on a property rollercoaster so not surprising you have struggled at times.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
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 16/1/260 -
Hey @WelshKitty85 I’ve just caught up! You poor thing! What a crazy couple of months you’ve had! I’m keeping my fingers crossed that everything is now moving in the right direction for you!1
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I felt like that last year when we were in the midst of moving. I would like to say I have improved this year, but tbh I haven't.Debt free Feb 2021 🎉1
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