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Adventures and Overpayments
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I think hospitals are hard to be in alone full stop. Well done.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/250 -
Evening all 😃
I have achieved so little today 😂 Basically I just put one load of washing away, washed another load and went to Tesco for a very small top up shop. Also bought three of the big storage boxes so we can get the Christmas decs a bit more organised. I really needed a quiet day, or as quiet as it can be with a toddler around!
I'm just going to order some dog food so I can at least cross something off my list! I've got yet another medical appointment tomorrow so I think I'll get an early night with my kindle.MFW diary Adventures and Overpayments
Mortgage start: £240,945 Aug 2020
Mortgage now: £230,738
2021 OP total: £605.85 1 month off approx
MFW 2022 #39 £135.68/£12002 -
You've thought about getting organised - I know from experience how exhausting even that can beAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/253 -
savingholmes said:You've thought about getting organised - I know from experience how exhausting even that can beMFW diary Adventures and Overpayments
Mortgage start: £240,945 Aug 2020
Mortgage now: £230,738
2021 OP total: £605.85 1 month off approx
MFW 2022 #39 £135.68/£12001 -
Is your loft empty at the moment? Perhaps mark all the boxes with a date of when put up there and a date to be disposed of - if still unopened at that date - and keep a list... We got some stuff out of our loft that was ruined by being up there so long - and I really regretted that we hadn't donated it while it was in better condition.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/250 -
savingholmes said:Is your loft empty at the moment? Perhaps mark all the boxes with a date of when put up there and a date to be disposed of - if still unopened at that date - and keep a list... We got some stuff out of our loft that was ruined by being up there so long - and I really regretted that we hadn't donated it while it was in better condition.
We have a few boxes of stuff we’re keeping for sentimental reasons but I will sort through this before we put it away. I’m pretty ruthless about getting rid of stuff! DH really needs a garage though - he’s a builder and a musician and comes from a family of hoarders…MFW diary Adventures and Overpayments
Mortgage start: £240,945 Aug 2020
Mortgage now: £230,738
2021 OP total: £605.85 1 month off approx
MFW 2022 #39 £135.68/£12000 -
chicker said:. I’m pretty ruthless about getting rid of stuff! DH really needs a garage though - he’s a builder and a musician and comes from a family of hoarders…Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/251 -
We sorted out our attic when we moved. I am definitely of the "we might need that" variety. But an elderly friend said to me recently that she doesn't keep anything as when she dies it becomes her son's problem and that's not fair. And that actually got me thinking. I know it's a bit morbid and I have absolutely no plans to pop my clogs just yet, it is a mindset that has helped me declutter. Does my husband need the extra stress of going through all my !!!! if I die? No he does not. So we now have one storage box full of DD's sentimental things and one full of DS's sentimental things. So things like the outfit they wore home from hospital when they were born, their fave toy as a baby, first school pictures, etc. Nothing major but sentimental things they may like to see when they are adults.
Goals for FebruaryDeclutter 2/50Money Made £0/£200Overpayments £0/£2003 -
I think keeping a sentimental box for every member of the family is a good idea. They can decide what to do with it in due course. You then make the container the limit on how much you want to keep and if you want to put new stuff in - you cull some of the other stuff.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/252 -
Do you have plans for this weekend?3
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