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Peering over the hill...

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  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Merry Christmas everyone! 🎅🎄🎁
    If it's not adding up, compound it!
  • longway2go
    longway2go Posts: 1,006 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Merry Christmas 
    Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you're having a lovely break.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Yes thanks, being even more lazy than usual, but with better food! 😆
    A couple of quiet days with some family zoom calls and quiz games.
    Hope yours was just as relaxing!
    If it's not adding up, compound it!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm having a very relaxing time. We saw extended family Christmas Day which was lovely. I have begun a new novel too and am on Chapter 4 already so really pleased with how it is going. The first chapter seemed to just flow out of me in a rush so I was thrilled. I have to keep busy. Not back working until next Monday - and even then will be from home. DH not back at work until 7/1.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Ami-Rose
    Ami-Rose Posts: 112 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Are you sure it's not compounding while you're not looking? 😉

    Merry (belated) Christmas! Hope it was a good one. 😊
    MFW: Starting balance, Jan 21: £102,950
    MFW21 Challenge #25
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love it. We are alternating between turkey and roast pork. My turkey said feeds 2-3 and I bought 2... There are 4 of us.... Lots left even though I only bought the crown...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Grogged
    Grogged Posts: 866 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Thanks both, safely portioned and frozen!
    It was nice and quiet thanks.
    Looking forward to next year's, when hopefully it will be in person rather than over a screen.
    If it's not adding up, compound it!
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