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Cutting it Fine - the challenge is on!
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Plans moving on still, and step by step we are getting there. I have been practising more self care recently - mediation, time to exercise and relaxation. I can definitely feel it having an effect as I'm feeling calmer lately.
I know that we are currently in a very good place, and I am grateful for that. Hard work has paid off and got us here. There's more hard work to come, but I know now that we can do it and will be able to enjoy life a little along the way."Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
‘I owe less than I did last year’😂😂
the possibilities are endless.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)2 -
How about 'I owe less than I did last month'? "Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
I love that one 🤣SandyShores said:How about 'I owe less than I did last month'? Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/252 -
Plodding on savingholmes, plodding on...
Things are really just very slow at the moment. Some good things are happening, but you know what its like when that one thing you are wanting to happen doesn't. I'm sure it will happen soon and then it will be helter-skelter."Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
I am waiting for a couple of things currently too. Just have to hope for both of us things come rightAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/252 -
I hope so savingholmes. It just seems like there are delays all round at the moment, so frustrating. I feel like I'm on edge waiting and its also delaying me moving onto the next phase of mortgage free before retirement-ness.
I'm actually having a pretty good week all things considered, I've a lot to be thankful for. Doesn't help that I'm feeling under the weather, so I'm taking it easy - snuggled in bed with a hot water bottle at the moment. Things always seem better in the morning don't they."Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Feeling lots better but not quite 100%. Trying to wait patiently for things to happen, and not to get cross. We have so much to be grateful for. I haven't made any OPs to the mortgage for two months now, but we have been spending on the home, so I think we can be forgiven for that. We've our starter emergency fund, and my ISA and PB are growing slowly but surely. "Think of many things, do one"
Mortgage 30 Sep'25 est. £208,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga3 -
Glad you are feeling better.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)3 -
Glad you are feeling better. It can be hard to stay balanced when you are feeling ill so don't be too hard on yourself. I think the rapid turnaround (negative) at the start of this year was reminiscent of the speed at which the pandemic hit and has knocked a lot of us for six. With energy - I've kind of mentally refused to pay above a certain amount and am therefore doing all I can to try and reduce it.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/251
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