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The Next Phase
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Happy New Year ๐๐๐ฅณ Enjoy your time out ๐Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 ยฃ202K now ยฃ169.8K Equity 37.1%
2) ยฃ1.5K Net savings after CCs 11/2/26 (but owed ยฃ1.4K) so ยฃ2.9K
3) Mortgage neutral by 06/30 (AVC ยฃ34.8K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.3K) = 40.6/ยฃ127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target ยฃ17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum ยฃ15.8/30K 52.67%)
5) SIPP ยฃ5.2K updated 16/1/262 -
Happy New Year xx ๐ฅณ๐ฅI get knocked down but I get up again (Chumbawamba, Tubthumping)3
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Happy New Year. Enjoy your party xSeptember 2017 Debt = ยฃ25330
Starting afresh.
You can do anything if you put your mind to it. x3 -
Enjoy your evening and hereโs to a healthy and happy new hear for you ๐๐January spends - ยฃ587.583
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Happy New Year ๐ฅณ.
First New Year's Eve I have been sat outside round a fire pit. We had blankets as well , just three ladies . I had a couple of glasses of wine , then some hot chocolate before being walked home by a kindly neighbour and his dog. I was in bed for 12.40@m . Then mins later the local lunatic family decided to have a fight in the street ! Anyway it was a lovely surprise evening.ยNot much happening today apart from some housework, I still have the cough that I have had since November, I am hoping my chest X-ray is ok as well and it's just a winter cough and not the start of another lung issue.ยLife is an adventure, never stop exploring.5 -
Your evening sounds lovely. I just love it when unexpected things like that happen.ยFingers crossed that your chest X-rays are ok.
I was sorry to hear about your friends mumยJanuary spends - ยฃ587.584 -
Happy New Year! ย What a lovely evening! ย Another hoping the X-Ray results are positive. ๐Finally Debt Free! - July 2016 ๐
Finished Emergency Fund- ยฃ10,000 April 2017
๐
RETIRED: MAY 2021!!!!๐๐
My diary: โSeasidegal's Scrimpy Retirement Diary!โ2 -
fire pit sounds lovely and your own street entertainment too...happy and healthy new year to you xIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20253 -
The evening sounds magical. Happy New Year!Debt Jan 2017 = ยฃ42kMay 2022 = ยฃ15k3
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Hope you feel better soon.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 ยฃ202K now ยฃ169.8K Equity 37.1%
2) ยฃ1.5K Net savings after CCs 11/2/26 (but owed ยฃ1.4K) so ยฃ2.9K
3) Mortgage neutral by 06/30 (AVC ยฃ34.8K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.3K) = 40.6/ยฃ127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
4) FI Age 60 income target ยฃ17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum ยฃ15.8/30K 52.67%)
5) SIPP ยฃ5.2K updated 16/1/262
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