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Moving forward and upwards

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Comments

  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are feeling happier. Dancing and singing is a really positive sign. 

    Ouch to the knife accident but glad it wasn't worse. 
    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 10/10/25
  • Thanks SH, I'm annoyed with myself over the boo-boo as I know all his knives are precision sharp. Just changed the dressing for bed and it wasn't just the pad I got and I must have twisted to get the side too. Hopefully it'll settle over the rest of this week as it's a bit sensitive and tingles.

    It was more like a karaoke day. Picked a band and let the music flow 😄 slipper dance stepped, which was fun. I know it's been ages since I last did it as I do tend to post things like that 🤭

    TomBo has asked to borrow the car for work, I've told him the days I want it next week and he's going to fill it up too. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So glad he's working again - hopefully that will help cushion you in your new job and accelerate your savings goals.
    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 10/10/25
  • Thanks SH,

    I've not yet decided whether the relief I felt when he got the start date was due to having the second income or because I knew I could change jobs.

    It's coming up to his second payday. Things look good for his role, but I won't get my hopes up that we'll stay a two income family.

    Of course the extra money is nice, but it's currently clearing the car finance. After that's paid I'll save every penny for as long as it's coming to me.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Ouch to the knife cut. Hope it heals quickly. Dancing round the house shows how good you are feeling. Almost there now! 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • Thanks Skinty

    I'm letting it air for a bit. I'll see if I can try and clean it up later as there's trapped blood under the mostly stuck down flap bit. 

    Haven't had time to breathe today, usual amount of queries from the one I'm not training, but I've enough charge left in me from yesterday.  

    I am looking forward to putting my feet up and will treat myself to another coffee in a minute.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    That sounds like a deep cut! I didnt realise Tombo was a Samurai. My knives are so old they are blunt! We are counting down the seconds with you MF. It is nearly the weekend. 
    Aiming for a minimal spend 2022
  • Thanks SW

    He's an ex-chef and likes his knives sharp, I have my own little one he does a few passes with so it's no longer blunt 🤭

    I have made it through another day.

    Mortgage started 2020, aiming to clear 31/12/2029.
  • It seemed so wrong to write what I'm about to in my previous post, as I had a message after I finished writing my last line.

    My sibling contacted me to advise my mom passed away at some point today. She died peacefully in her sleep.

    I'm bouncing off the walls between anger at my sibling for the vulture like comments and talking them through the immediate steps of contacting medical people etc. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So sorry to hear your news MF. Hugs. 
    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 10/10/25
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