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Future Proofing my life: Deposit saving then MFW journey in under 13 years

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Comments

  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Time to move then, plenty of other Lidls in London 😀:

    https://www.lidl.co.uk/c/store-finder/s10023098
    Not much else is working, I figured it was worth a try 🤣!
    hehe )) you make a valid point 
    Made me laugh.

    Good luck with the invoices and finding new prompt paying clients.

    Enjoy the new pub. Nice to have one local that looks good.

    How's the sewing class going?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • Watty1
    Watty1 Posts: 7,653 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Congratulations on the win.  The MWAP sounds a great fit to your life and I agree I wouldn't  mention the ex because it was fairly obvious from your description just why he is an ex!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
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