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Giving every £ a job

1141142144146147279

Comments

  • savingholmes
    savingholmes Posts: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I got the element repaired on my kettle while at uni decades ago. About a third the price of a kettle at the time. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • Sun_Addict
    Sun_Addict Posts: 24,563 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fabulous news 🥳
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • lucielle
    lucielle Posts: 11,615 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oooh that’s exciting BC!
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • savingholmes
    savingholmes Posts: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the pension.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • Blackcats
    Blackcats Posts: 4,064 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    thank you for your good wishes about the pension back pay - it hasn't arrived yet which is just as well as I haven't yet worked out a plan for where to put it - a few years ago that would have said "I haven't worked out a plan of how to spend it but even though I haven't got it yet I started spending it straight away" 

    we took advantage of an Easter meal deal at our local brewers fayre last night - 2 courses for 2 people = £20 and OH had a voucher for a free bottle of wine.  The food was quite nice and it was good to sit and chat.  Popped the half full wine bottle in my handbag and brought it home  - classy.




  • joedenise
    joedenise Posts: 18,045 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Wouldn’t be very MSE to have left the wine on the table!  I would have brazenly walked out with it in my hand - wouldn’t fit in my bag😂
  • lucielle
    lucielle Posts: 11,615 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @joedenise
    Wouldn’t be very MSE to have left the wine on the table!  I would have brazenly walked out with it in my hand - wouldn’t fit in my bag😂
    Girl after my own heart!!
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Cheery_Daff
    Cheery_Daff Posts: 17,741 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooh, good to hear you've had a good experience with Vinted, I'm having a gentle clear out at the minute and was considering using it, but I don't think I know anyone who has. Will investigate.
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