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

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  • Happy Birthday MT and don't feel bad about the tantrum.  It is a strange Christmas this year for sure. We have not bought the usual Christmas food this year either.  Does not seem worth it for just us when DD1 and I don't eat a lot of sugar or high fat stuff these days.  Just a few treats for DH and some healthy snacks for DD1 and me so no junk food hanging round in January for me to stuff my face with as normal. 
    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
    Save £12k in 2025 #1 £12000/£7000
  • Happy birthday MT xxx
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Belated happy birthday. Glad you have seen two friends this week
    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
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