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Moving forward and upwards
Comments
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Definitely rest today. Views are so important. One of the things I like about the intended new area.
Enjoy your coffee
I'm off for a walk today. Will definitely renew medicinal chocolate supplies
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
Morning hope you are feeling a bit better. A comforting hot toddy is needed methinks.Aiming for a minimal spend 20222
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Thank you DIA and SW, just been taking photos of the snow out the window 😁
Contemplating an early lunch, definitely too cold to go out and TomBo went to the supermarket first thing today.
I feel I'm getting lazier by the second 🤭Mortgage started 2020, aiming to clear 31/12/2029.2 -
Hope you can have a restful day. Just popped along to say thank you for the pension comments on my thread, you inspired me.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming3
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Thank you LW2G, Hopefully what I've posted on both of your diaries makes sense. It's a lot harder to put into writing than a sit down chat pointing and showing how I got to where I did 🤫
Mortgage started 2020, aiming to clear 31/12/2029.3 -
Ohh I shall go look Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming3
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Hope you feel better soon. Snow on the ground sounds lovely - particularly if viewed from a warm home.Achieve 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 10/10/251 -
Thank you SH, I'm in good humour, filled my face with a cheese and meat selection and watching TV 😊 couldn't ask for a better day and the sun has come out!
Most welcome LW2G 🤗Mortgage started 2020, aiming to clear 31/12/2029.3 -
We're having better weather today too, makes a nice change!3
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We've got sunshine today, but it's very cold; hung out the window to take photos and could see my breath 🤭
Had a night on the sofa, will need to prioritise buying some form of bed. Eventually I have an art, photography, office, second bedroom, I'm just restricted until the built-in wardrobe is in and for now it's still the dumping ground.
-- I will try and do a little bit over what's left of the holiday and ask TomBo to move a few bits of furniture around; illusion of space makes a difference.
It's kind of like the butterfly effect, every action has a reaction.
- To get the space back under the bed for proper storage, I need a bookcase in the lounge.
- To get rid of a wardrobe, chest of drawers and tallboy, I need the built-in wardrobe.
- To get rid of chest of drawers and cube storage, I need the built-in wardrobe.
Obviously, they all require money, which I won't comfortably have until 2022/23, but when everything is done there will be space, storage and organisation 😁
In a few days I can start moving money to savings.Mortgage started 2020, aiming to clear 31/12/2029.4
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