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Adventures and Overpayments

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  • jenni_fer
    jenni_fer Posts: 529 Forumite
    Part of the Furniture 500 Posts Name Dropper
    Covid is sweeping around again here too :(

    Fee or not to fee is always a tricky one, as much as it's painful to see the fee in one lump if that was the best option then you can comfort yourself with the fact you are in control at least.
  • Just read through, I am a massive adventure/holiday lover and am back on here after going a little crazy and needing some accountability back! I am going away in May as well, honestly it is making me happy thinking about it. The world just feels scary and horrible right now, I don't watch the news- stopped during covid- and rarely read about current events as my heart cannot take it. I think we are all struggling with emotions due to the pandemic, lockdowns etc and its hitting us how awful it has all been now. Then add in general life stuff, hormones and the world and its no wonder we aren't feeling great. We have some sun here and it definitely helps! :smile:
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on getting the fix. A bit of cost certainty is welcome at the moment.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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