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Dipping my orange toes into the water..
Comments
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Total needed to reach this year's goal -
£26, 270.121 -
Prompted by my mum asking me to check for sim only deals, I realised that my sim only deal had ended last year!! Swapped this morning from £10.14 a month for 9gb data and unlimited everything else, to £8 per month for 15gb and unlimited. Plus 3 months of free Disney plus!1
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Great news on SIM. These savings add upAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
Spent a fortune tonight but not unplanned. Bed for the spare room and mattress ordered from IKEA and some new sports leggings. Not cheap but I've been exercising at least 3 x per week as per my goal, so decided to treat myself to keep the motivation going!
Hope storm wasn't too damaging for people. We just lost phone signal and internet.1 -
Sounds l like the leggings are a great reward. I don't know about you - but I find I can justify a meal out more easily than clothes or art supplies and yet the latter two have far greater lasting value!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
So true!! Wore them this morning to my spin class. Definitely worth it!1
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Getting high waisted leggings for yoga is definitely a win in my case too... the other kind weren't reliable shall we say at staying in the right place!!
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
Long time no post!
Work as crazy as ever. One more week until half term and miraculously still no covid here.
Mortgage update-
Mortgage at start of year - £289,999
Current total - £282, 857.39
Total reduction - £7,141.61
2 -
So ticking over nicely, with an overpayment each month of £500. So not too shabby.
Looking forward to breaking into the 270s!2 -
Council tax bill is in. Almost £380 a month eek!1
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