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The great life reset
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November update.
Able to put away £780 and stocks and shares up again currently at £17694. Looking at December and Christmas, it's unlikely we'll be able to put that much away next month but we'll see.Weight loss goal 6/7lbs for first quarter
Overall 2025 weight loss goal for the year 6/21lbs
Holiday savings target 3400/£48002 -
Just caught up on your diary. You are doing well. Making me want to experiment with cooking more... Thinking of making loaded potato skins again aka Delia recipeAchieve 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 -
Hey Savingholmes, hope the loaded potato skins were tasty!
December and year target update.
Target was to have £16245 in ISA so that mortgage was offset to £70000.
Actual
£18082.30 in ISA and mortgage as of today is £86268.05
Offset this is....
Drumroll please....
£68,185.65!!!!!!
Smashed the target, so happy this is where we are at this point in December.
On with 2022!Weight loss goal 6/7lbs for first quarter
Overall 2025 weight loss goal for the year 6/21lbs
Holiday savings target 3400/£48003 -
Really well done. I'd love to have decent savings... Hopefully I will get there... Need to find stuff to sell first!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 29/7/251 -
Thank you Savingholmes. Because I'm really sad and love figures, i just worked how much was 'free' money from the isa in terms of stock market growth and it was £2824 so i doubt I'll be able to count on that much growth next year.Weight loss goal 6/7lbs for first quarter
Overall 2025 weight loss goal for the year 6/21lbs
Holiday savings target 3400/£48001 -
I had good growth on my private pension last year it all helpsAchieve 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 -
Happy New Year everyone, here's hoping for good things in 2022.
January update 700 invested, ISA stocks and shares now at £18666.Weight loss goal 6/7lbs for first quarter
Overall 2025 weight loss goal for the year 6/21lbs
Holiday savings target 3400/£48002 -
Happy New Year. Well done on the investmentAchieve 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 -
Thank you and a belated happy new year to you SavingHolmes!
Been a rough month with one thing and another but the up shot is, I can't make an savings payment this month as i bought two kittens and all their associated paraphernalia, insurance, vet bills etc just ate everything right up. On the plus side we have two bundles of fluff to cuddle!
It's been a wonky month stocks wise with huge losses and then some surges but as of today I'm at 17524 which a clear 1000 less than last month (and this is good as it was lower at certain points during January). Ah well, it's not a loss until you withdraw it. Will just leave everything and carry on as before. Kicking myself as this is the best time to invest but of course this is the month I have zero money to do so. Well i would buy two kittens 😸!
Have a great month everyone
BBWeight loss goal 6/7lbs for first quarter
Overall 2025 weight loss goal for the year 6/21lbs
Holiday savings target 3400/£48001 -
Enjoy your kittens.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
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