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Moving forward and upwards

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  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    It's good that lots of mysteries are coming out. Hope you can rest a bit more. Glad you are posting as we are all thinking of you. Bet Cat is loving the holiday.
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SW
    Cat is spoilt, didn't like being told she owes us for her portion of the holiday cost as she shut up 😹 She settled into the hotel room quicker than MILs home, probably as there's a lot less to explore. Depending on how she is when we get home, we're already talking about our next family holiday!  

    Put a large towel over the radiator and it's kept a lot of the heat out the room. It's a more comfortable temperature.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I wouldn't have thought of blocking the heat with a towel but good call. Glad you are planning another holiday. 
    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
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Cat is in shock now she will be on best behaviour,  you are sooo funny. Hope today goes well. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SH and SW

    Everything worked out. I blubbered a lot, as did everyone, the wake was a celebration of life. 

    I ventured down a road of discovery, have no questions left to ask and received loads of answers, even down to tiny details. I'm no longer half, but a happy whole person ❤️
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great result from what must have been a really difficult day. 
    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
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you SH
    It was very hard. I think funerals are more about giving closure and a final goodbye for the living, that was achieved.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,534 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    I am so glad that the celebration of life went well and you found the answers you were looking for. I hope it brings you some peace. X
    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
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks Skinty

    Life, and I, make sense. It's a shame it took until mom died to get answers, but that's how it was always going to be. 

    A side of me is tempted to scatter mom's ashes where dad was, so he had another chance of resolving things with her wherever they are; that would set her free in death. However, knowing my luck it would make things worse for both of them, as mom was not a forgiving woman and it would bring an eternity of hell to them instead 🙈

    They both sit comfortably in my heart and thoughts.

    I've carried a large weight on my shoulders, with emptiness, all my life and can begin the grieving process for both. 
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    edited 21 December 2021 at 5:27PM
    What a profound time in so many ways, sending you love and hugs, swx
    Aiming for a minimal spend 2022
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