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Dipping my orange toes into the water..
Comments
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Ouch to CT. That's almost double mine. Well done on the OPs and standard payments. That's a fab amount to clear.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/250 -
Thanks @savingholmes
And the holiday are here. Hurrah! Sun shining too. I do love it when the washing can be hung out on the line.
Have to say now mortgage is in the 2s it feels like the progress is faster ever though it isn't. Such great advice on here and still move ways to save I'm sure!
Main focus currently however is my weight which seems to have spiraled out of control. Anyone else eat when they are stressed?
Think I will post some weight related updated to keep me on track. Mse too as too many takeaways of late!
Happy mother's day everyone x3 -
Happy Mother's Day. Yes to weight issues. Good luck shifting yours... I'm having a takeaway so diet definitely not starting today.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/250 -
The odd take away is fine but mine has not been the odd one!
Right straying weight -
11 stone 10.
Hoping to loose 7 pounds this holiday.
Kids are up and painting Poundland egg cups.. it is only 8.20!!2 -
Good morning and good luck with the weightlossAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/251 -
Well 11 8 this morning, so progress is being made. Money wise I can now pay incl cheques using online banking. I'm probably behind the curve on this but I was so pleased as I never manage to get to the bank!1
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Well done on the weight loss and on learning a new banking skillAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/251 -
So mortgage payment done and need to find 950 to get us under the 280 barrier....hmm where can we save??!
Went to London at the weekend as an Easter treat. Saw frozen the musical, which was AMAZING. Highly recommended! Stayed in a p**mier Inn afterwards,which I was impressed with. Clean and more importantly quiet!1 -
Frozen sounds lovely.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/250 -
It was! Highly recommended.
Quiet day here today. Washing on and have tackled the mountain of dry washing and finally put it away.
Off to lunch with the DCs and my dad now. Trying to be good and stick with the healthy options, oh and not spend too much!! Think I will choose from breakfast items. There is something lovely about having breakfast for lunch!
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