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2020 - 'Nothing in your life will change until you make the decision to change'

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Comments

  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Sending you hugs and love xxx
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I tried quite a few different tablets before I found one that worked but when it did work it made a huge difference. There are times when I'm better or worse than others but it takes the edge off. I would give it another go... Failing that perhaps try St Johns Wort, Kalms etc and see if they help
    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 29/7/25
  • jwil
    jwil Posts: 22,196 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your feeling brighter and have had a lovely weekend, hope you have a good week xx
    Thank you penny :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • Glad this week seems to be going a bit better for you x
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's great when you can lose yourself in reading
    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 29/7/25
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