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

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Comments

  • jwil
    jwil Posts: 22,197 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good to hear you're feeling a bit better.  These are certainly trying times for everyone.  I'm trying to keep busy and have some sort of routine, not easy when you're on your own.  Neighbours and friends have been extremely kind and have all offered help.  I get a phone call every day so at least I get to hear a friendly voice. 
    Lovely to hear from you retired, funnily enough I'd just been thinking about you and wondering how you were.  I'm glad you've got people round you.  It is very difficult isn't it.
    "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
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I thought the clapping was lovely too. Really hope these measures make a real difference.  Grateful for the sunny weather too. Glad your DH is at least getting the 80% and is helping more.
    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: 22,197 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I thought the clapping was lovely too. Really hope these measures make a real difference.  Grateful for the sunny weather too. Glad your DH is at least getting the 80% and is helping more.
    Thank you.  I really hope they do too.
    "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
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your main job's done and you were able to stock up. 
    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: 22,197 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your main job's done and you were able to stock up. 
    Thank you :)

    Glad work is done now and you're on holiday :). Also good that a supermarket actually had food in it 🤣.
    I've got another week before I'm on holiday, but good to have a couple of days off.  
    I was walking around the supermarket in wonder ' 'look at all the food' 🤣  
    "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
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