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Learning to walk before I run

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Comments

  • skint_spice
    skint_spice Posts: 13,646 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope your silence means you are just enjoying your home again.
    Mortgage OP 2026 £50/2000
    Mortgage OP 2025 £7700/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £33,546

    Make £50 a month Jan £20
    Boiler fund £925/3000

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Glad you are sorted. What a relief for you 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Ed, that's wonderful!  Always a few reservations around building work, of course.  But great to get it clean and liveable, and the touch-up bits are doable by you.  Amazing that you managed to get the bird out yourself!
    2023: the year I get to buy a car
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Great to hear Ed, you must be breathing a sigh of relief, enjoy your "new" home xxx
  • L9XSS
    L9XSS Posts: 438 Forumite
    Third Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    Great that your home is yours again! Has the champagne been popped yet? 🍾
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