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Building towards a complete life overhaul....might take a while but determined to do it

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  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Logistics are likely to be a pain. It's one of the things making me delay too
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Well done on the decluttering. Were you intending to hand in your notice in the New Year then? Even in lockdowns you can normally move house but viewing properties may be problematic. There was talk of life getting more or less back to normal by Easter but who knows. Worst case scenario you sell your place but can't find anything  in Wales. Are you going to have to find a job as well or are you relying on setting up a business? 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
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  • Happy Birthday MT 🥳💐🥂🎁
    Debt Free 🍾 since 6.8.13 £31,997
    Saving for 🎄 🎁 2025 £387/£850 45.5%
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    It turns out the answer to my problems wasn’t at the bottom of this tub of ice-cream, 🍨 but the important thing is that I tried...
  • Happy birthday!!! 🥳🥂
  • Happy birthday, glad you had some sunshine :smiley:
  • Happy Birthday :) 
    I too found four small boxes of stuff from school from a million years ago :) Decluttering that gave me an enormous sense of closure ! Did question my past self on why I was keeping some of it!! 
    Baked camembert is so good! 
    Take care XX 
    Nevertheless she persisted.
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