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Learning to walk before I run

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  • edinburgher
    edinburgher Posts: 13,957 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    @savingholmes - good shout, I don't do anything credit score altering for at least 6 months before mortgage malarkey
  • themadvix
    themadvix Posts: 8,877 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    SC, yes, I think all current account applications will require a hard search, even without overdraft request.

    Ed, I think I received an email last month that said that prolific had upped the minimum hourly rate to £6. 
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Just catching up, I hear you on the emotional eating ed! That and work triggering it, I hope that work is getting better for you


  • savingholmes
    savingholmes Posts: 29,017 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds good overall. Lovely gift 
    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 29/7/25
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Is work ever good? All of the jobs I've had have all had significant issues. But I'm glad it is getting a bit better.

    You've reminded me, I really should do some housework.
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