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Easter 2025 I’m coming to get you!

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Comments

  • Jessy103
    Jessy103 Posts: 2,348 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    So sorry to hear of the loss of Sybil, hetty ❤️

    Winston is absolutely gorgeous! Well done on giving him such a good home and getting him in good health x I always feel super proud when we get compliments on ours when they have had such a rough start in life.
    Mortgage Balance as of September 2025 £11,700
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • greent
    greent Posts: 10,808 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about beautiful Sybil xx🌈
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Jessy103
    Jessy103 Posts: 2,348 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Ooo congrats hetty, some nice little wins there! Glad DS enjoyed his first day 🙂
    Mortgage Balance as of September 2025 £11,700
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope DS settles in quickly.

    Sorry to hear about your cat. Hugs.
    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 13/9/25
  • Hettyhound
    Hettyhound Posts: 1,061 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Trying my hardest to get back on track as I feel like I’ve not been so hard up for years!  I’ve just overpaid £75 which was from a 25 win, some top cash back and prolific.  I wanted to move it where it should be rather than on other stuff.  Christmas is more or less funded via my sealed pot savings and my credit card is 0% so that takes the pressure off a bit.  I’m trying really hard with groceries as that seems to be an issue.  Spent a lot of the budget but the freezer is full and meals planned/ingredients got for the next 2 weeks so hopefully just a couple of little top up shops.  I’m waiting to hear on additional funding for my son and also if I’ve got a temporary position for over Christmas that we are allowed to do in addition to our own job (it gets advertised via work).  If obtained both of these would help.  We are not destitute by any means but I need to be careful in the run up to Christmas 🎄 
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; Sept 2025 £18,399.00 2025 OP £1703.13/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • newgirly
    newgirly Posts: 9,388 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hi Hetty, I’m so sorry about your lovely cat Sybil, it’s a great age but it’s still so sad , like the end of an era when they have been with you so long ❤️

    Winston looks like a star, what a handsome boy! He seems to have settled in well. Keep hanging in there with the mortgage it’s so close now, you can do it, all the best 😊
    MFW 67 - Finally mortgage free! 💙😁
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with getting extra income in.
    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 13/9/25
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