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Dipping my orange toes into the water..
Comments
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Sorry about the job. That was one long selection process! We've all missed out on jobs and know how heartbreaking it can be.
Be kind to yourself.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 £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/260 -
Thanks @savingholmes
Money not going that well... Dishwasher has died, car need a new clutch and now the washing machine is on the blink. Oh and the hoover broke too!
On the plus side. It is the holidays!! Once I know how much the car bill will bill I'm going to plan some fun festive treats with the DCs. Can't believe it is nearly Christmas!1 -
Well you know what they say about when you're going through hell...
Keep going. Hope things improve soon.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 £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/260 -
Thanks @savingholmes
On the plus side I have scored some mse wins.
Car renewal was £491.
Said I wasn't happy and they reduced it to £457. Said I'd shop around and miraculously it became £420!
Also used my hotels.com reward night towards a night away tomorrow. Should be a nice treat, especially as we are still stuck without my car.
Looking forward to a Christmasy rest!1 -
Hope Xmas went well. Good result on the reduced insurance cost. Hope the hotel stay went well and you are relaxing.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 £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/260 -
Thank you @savingholmes hotel was lovely.
So the car was £1250. The bought a new dishwasher for £700..although saved £25 as they said they couldn't install it...my DH had a look and plugged it in. Honestly! A pricey one but hopefully it will last.
Switched current accounts. So £175 should be winging it's way to me on the 10th.. fingers crossed.
Oh and 5,000 of the 15,000 word dissertation complete. Woop woop.
1 -
Ouch to those bills. Great about the switch £. Well done on the dissertation a third way there is fab.
Happy New yearAchieve 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 £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/260 -
Happy new year everyone!
@savingholmes wishing you lots of good fortune for 2024.
Our mortgage usually goes out on the first but hasn't presumably due to bank holiday. So I will do a mortgage update tomorrow. As well as setting some new 2024 goals 😁2 -
Signed up for 40 miles in January for the royal Marsden...
Hoping to kick start the fitness. I WILL loose 2 stone this year, so I'm starting as I mean to go on.
To ensure I can actually run I've ordered three new giant sports bras. I'm just too fat for my normal ones. I feel this is therefore a purchase towards getting to my weight goal. Plus they were reduced to £13 each from £45, so 3 for 1!2 -
Good luck with your health and fitness goals. I haven't yet found a sports bra that agreed with me...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 £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/260
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