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Moving forward and upwards

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  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you DIA

    T3 has been tweaked and resubmitted. I'm waiting for further feedback and have one eye watching for my phone to flash with an email 🤭
    - I've left my laptop on so I can quickly make more tweaks if needed.

    Got my feet up, watching TV but can't settle until this module is out the way.

    We had spicy chickpea soup for tea, pistachios for pudding.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • 🏆🍾🥂 well done 🥇🥳🎉
    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
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wow congratulations. That is a huge achievement!!!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    It is brilliant but sound like a loooong task so you must have breaks if you can. I hope you are having a good day today.
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thanks SW

    I printed the timetable and syllabus. Made a start saving all the college material, got the other half to do when I finish work.

    I've worked out I need to review / write notes on 7.5 pages a day, to get through everything prior to the exam.  Just need to factor in revision time.

    Got my payslip today, I've been auto enrolled into the DB and need to look at my budgets, especially as I'm paying out a fair bit this month for studies.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    I really do applaud you for managing to do all of this. V inspiring. 
    Aiming for a minimal spend 2022
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you SW, it's sheer determination that keeps me going.

    I'm pleased I did this module as it's been a huge help and has set the standard for where I need to be with the remaining four.

    All the college handouts for the classes have been downloaded and saved, as have the mock exams. Just have the previous exam papers and answers to do but I'd rather print those off for ease of reading / practice.

    I've had this evening off and didn't start my new module as I've done a lot of prep instead. The good thing is I'm able to work just off my laptop for my remaining modules. Reading, revision and notes can be done from my armchair, with typing on a Saturday.

    I'll buy one book, the cheaper one, as I'm allowed to take that into my exam. The other book I've got the previous edition of and will use that and my tutor handouts to work off, which will save some money.

    Got my feet up, about to have chickpea curry and rice and watch TV.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your studies are progressing so well. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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