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2020++ - smiling and waving and looking so fine

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Comments

  • savingholmes
    savingholmes Posts: 29,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the budget.
    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
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    snow interrupted DIY plans as decided not to go to hardware shop and play out instead.

    last week before payday so hopeful not very spendy.  am trying not to obsess too much with the spreadsheets

    weighed in this morning and down another kilo, so that's slowly beginning to head back to my pre christmas weight.  OH is doing much better so that's motivating
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • savingholmes
    savingholmes Posts: 29,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI Mark - well done on the weight loss and sorting of the router. It is satisfying seeing the debt go down too.
    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
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