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Phase 3
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That's really exciting....and impressive! Have you got a link/name for the book? I'm an avid reader, get through a book most days, I'd be happy to leave a review.
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Thanks Octobergirl - I've sent you a message. Thanks for your interest. I read loads too. Keeps me sane.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/250 -
It's been a long January. Soooo looking forward to half term, we're all tired and lacking motivation. January was low spend, managed to save £1k to put towards ex pay-off.
I've realised I'm okay as long as the basics are bumbling along nicely. However, car MOT failure and broken computer has put me into 'wine needing' mode. Boychild can't access home-schooling, I can't access any documents (I need my daily budgeting/accounts fix) and have an unfamiliar hire car to contend with.
I really need warmer weather, schools to open and my covid jab. Hanging on by a thread....
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Sorry you're struggling. Hope things pick up for you soon. I'd freak out without my spreadsheet fix too - although I do now have xl on my phone.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/251 -
Thanks SH. Good idea, I need to put a backup on my phone too. I shall have a look. X1
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Oh SH, I could hug you, I've downloaded XL on my phone and can access all my files. You are a star😁xx1
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Glad it helped!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/250 -
February round up.....I'm not sure what happened, nothing eventful. Felt rubbish all last week, fluey, lethargic and brain fog, but lateral flow tests were negative. Covid jab booked for next week.
After several lengthy remote access sessions, computer is finally fixed and now under my management.
Playing musical bedrooms, which involves a chaotic mess in all rooms and I've lost my snug. DD is pretty much rehomed. Need to paint boy-childs new room, move office upstairs and get quote for new carpets.
Managed to break heating thermostat in the process, so that needs replacing, plus the dead dishwasher, although I'm happy enough hand washing. The new shed base needs digging out and shed built.
Got a test drive for new WAV, need to order asap for June change over. Trying to downsize for economy, but electric wheelchair is forcing bigger size than I want.
I've submitted a proposal for Diploma course to boss, fingers crossed it will be approved. If it is, I'm committing to 2 years of study, which I'm excited about.
So, pretty busy month coming up ahead, can't wait for the warmer weather so I can start tidying the garden and hopefully start getting out once lockdown eases.1 -
Hope the diploma comes to fruitation.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
Sounds like a busy time for you. It's nice once all the decorating and move rounds are done but if you are anything like me can be chaotic in-between. Good luck with your diploma plans.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/251
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