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Comments
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Sounds goodAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/254 -
that sounds good - I do worry about adding another account into the mix, but accountable isnt a word I would apply to ours so maybe need to think againI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine6 -
It sends a notification to both OH and I EVERYTIME we spend ANYTHING on our account... the Monzo app is such a snitch
We don't really use cash and I've stashed our CC away and taken the CC details off the usual suspect websites that we'd spend on ie @m@zon etc. It's a bit boring, but it's been a great deterrent!DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved7 -
I heard yesterday that I passed all the exams from last month, very pleased that there's no more academic stuff to be done
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved9 -
yay - well done on the exams. onwards and upwards
I did put real time notifications on our joint account - but a couple of times I mentioned to OH that I knew she was coming home as I had seen her just pay at the supermarket and she took against it - felt it was too big brother. So we don't do that as I check every day anyway so I'm not that botheredI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine6 -
Congratulations on passing the exams, well done 🎉6
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Well done on passing your exams! XxDebt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
Current Mortgage: £235,698
Emergency Fund = £8,256 Target £10,000
Currently paying off CC £1204 - Saved £100 so far6 -
Yay to the exam success. Well doneMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.6
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Thanks, I was really pleased. It was quite tricky studying in amongst working and home schooling, so it does feel like a weight has lifted to know I don't have anything left to do DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved8 -
Not sure if I'm repeatinf myself, but t's cost the best part of £1k to get the 5 children set for school next month. They all needed everything as they haven't worn uniform since March and have all grown. 2 of them are transitioning schools too, necessitating a complete overhaul.
Secondary schools seem to rely on parents much more for books, my daughters A-level books have cost nearly £100. I checked ebay etc beforehand, but the specific ones she needed weren't available, so had to go for new. They also have to wear 'business like attire'.
I had £500 set aside, so was caught a bit short. Will be putting less in savings this month to cover the rest.DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved6
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