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*sigh* this may take a while
Comments
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Must admit I'm a bit of a heathen reading the news etc.... been catching up today, depressing reading! The whole energy thing is bad... I fixed for 2 years just before it all kicked off, but am sure it'll catch up with us at some point
and as for BoJo... blimey. DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved5 -
Hope you get over covid quickly.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/255 -
Lucky you fixing at the right time - you just *could* be lucky and mostly ride it out…fingers crossed for you!
Boo to covid AGAIN though - what a nuisance. Fingers crossed you continue to feel fine. Hopefully you did manage to pass it onto plenty of the non mask wearing (and not exempt, just being “Ahh soles” ones obviously) by way of teaching a lesson, although sadly as you were presumably wearing a mask you may not have been as effective as you’d hope there! The number of people yet again behaving like it’s all over and/or they’re untouchable is grinding my gears again!
🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her3 -
I managed to fix for 2years at the beginning of October. Yes it went up but nowhere near as much as many others. When Martin starting saying dont fix I thought I had done the wrong thing but now I am not so sure as the dd only went up about £25.00. I thinkl I got in just in time.
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Thanks EH, SH and LH
Still feeling completely fine, a tad tired maybe but that may just be lethargy from being stuck in the house. DH now also positive (and completely fine).. we now have to daily LFT the kids and eldest two will have to drop off and pick up youngest two. DH will just carry on working his normal hours, so won't make a massive difference to him.
We were with bu!b and fixed with one of the big guys... our DD stayed the same and seems to be on track so far, might have to increase slightly due to copious winter usage and DH working from home still, but no more than £15-20.
Our mortgage rate is also fixed, but we'll be hit by any council tax rises and NI rise in April will be painful
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4 -
Well done on the energy fix. Too late for meAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/253 -
Had a negative result today, so if same again tomorrow then I'm FREE just in time for my usual 4 days off
Have been virtually symptomless again throughout and has been nice to have a few chill days, catch up on admin etc
Doing ok money wise, keeping to our budget-ish and just keeping out of mischief until next payday
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved6 -
Good news, fingers crossed for a negative tomorrow!3
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Hopefully todays was also negative and you were able to make good your escape!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Glad you were able to use the time to relax a little. Sounds much neededAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/251
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