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Peering over the hill...

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Comments

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    How frustrating!  Something to look forward to though in the new year. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Thanks all, they were very apologetic, so fingers crossed for January!
    If it's not adding up, compound it!
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Viking_mfw said:
    What a pain. But can I ask which company? We were quoted a 5 month wait for delivery of the shed we want to order  :o  and it seems like your company is quicker than that!
    I've PM you their details.
    If it's not adding up, compound it!
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just caught up on your diary after you visited mine. My condolences on the loss of your parents.

    Good that you're sorting pensions out. Right now I am making the odd extra payment to pensions. From next summer once CC free plan to go full on at pensions and resolve EF and mortgage
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Thank you @savingholmes.
    It's been a challenging year for all of us.
    If it's not adding up, compound it!
  • Cornish_mum
    Cornish_mum Posts: 670 Forumite
    Sixth Anniversary 500 Posts
    Glad to hear I am not the only one that’s would like a MOP for Christmas. DH doesn’t think this counts as a real present! 8 days to convince him.

    CM
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    OP for Xmas sounds good to me. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Ami-Rose
    Ami-Rose Posts: 112 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Grogged said:
    The computer says if I can find £104, I can reduce the mortgage to £87,999 on New Year's Eve...
    Guess I know what I want for Christmas! 🎅

    Could you demand compensation for your useless shed delivery? 😂
    MFW: Starting balance, Jan 21: £102,950
    MFW21 Challenge #25
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Ami-Rose said:
    Could you demand compensation for your useless shed delivery? 😂
    Yup 😁
    Had a small refund has been given.
    If it's not adding up, compound it!
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