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Dipping my orange toes into the water..

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Comments

  • Orangetoes
    Orangetoes Posts: 361 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    Yes, I just hate the buying of gifts for the sake of it. Whereas an experience can be something you treasure. 
  • savingholmes
    savingholmes Posts: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm with you on that
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    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 £5.3K updated 17/4/26
  • Orangetoes
    Orangetoes Posts: 361 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    And work is done for 2021!! Wahey! Now to prepare for Christmas. Bike bought from eBay for eldest one, saving £220 from new price and it's only two years old. Now to find a good price for a scooter for the littlest one.
    Adults we do secret Santa with limit of £30, so not too many more spends. 
  • savingholmes
    savingholmes Posts: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on finishing work for the year! Trying not to be too jealous... 

    Secret Santa is a good plan too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    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 £5.3K updated 17/4/26
  • Orangetoes
    Orangetoes Posts: 361 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    So had my booster on Friday and them wham knocked out all Saturday. Feeling more normal this morning thank goodness. Still good to be boosted and very impressed with the service. I did a walk in and it took 20 minutes from start to finish. Very kind all those volunteers. 
  • Orangetoes
    Orangetoes Posts: 361 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    Older DC found a gift card I'd forgotten about for £70 at John Lewis so that sorted the scooter out for the youngest DC. So presents are almost done! 
  • savingholmes
    savingholmes Posts: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the booster. Fab news on the gift card. That's a huge win at Xmas.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    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 £5.3K updated 17/4/26
  • Orangetoes
    Orangetoes Posts: 361 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    Yes @savingholmes I was so happy as I thought I'd lost it or spent it! 
  • Orangetoes
    Orangetoes Posts: 361 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    Christmas present from the OH £3000 overpayment of the mortgage hurrah! I've trained him well.
     Meaning we are now only £413.82 away from the 280s... Need to look at the budget, as that is just too annoying!! 
  • savingholmes
    savingholmes Posts: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Orangetoes said:
    Christmas present from the OH £3000 overpayment of the mortgage hurrah! I've trained him well.
     Meaning we are now only £413.82 away from the 280s... Need to look at the budget, as that is just too annoying!! 
    LOL at not being satisfied with a £3K OP! You'll have your mortgage cleared in no time with that attitude though. Well done to both of you.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    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 £5.3K updated 17/4/26
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