We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Prosperous soul embraces creativity & mortgage neutrality
Comments
-
Submitted accounts. Just hope they are ok.
DD coming home tonight at short notice and then Ex collecting her tomorrow. Then next week's arrangements also changed. Notified rather than agreed. Ex still hasn't responded.
I didn't get to sleep until 3am and with accounts pressure etc not having the best day. Think will go out tonight....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/264 -
Do not for one second worry about your accounts. Unless they are so far out as to be obviously fraudulent (which I know they are not) then stop worrying. HMRC have much bigger worries than you could ever be. I have a friend who whilst he files his SA returns (just) in time every year, last filed a VAT return in 2016 (well actually in 2019 for 2015). Whilst he does pay their estimates every period he has never ever had a nasty letter saying why aren't you filing. Frankly in the grand scale of things he just isn't important enough & neither are you. Take this as the chill pill. I know that it would drive me insane, I hate being even a penny out. You have done your best - end of!!
6 -
Well done on submitting, enjoy your evening."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
-
You know what they say about 'home'.... it's the place that they always take you in when you turn up. (((hugs)))savingholmes said:Submitted accounts. Just hope they are ok.
DD coming home tonight at short notice and then Ex collecting her tomorrow. Then next week's arrangements also changed. Notified rather than agreed. Ex still hasn't responded.
I didn't get to sleep until 3am and with accounts pressure etc not having the best day. Think will go out tonight....I Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy5 -
Well done on all you've achieved this week, you've done really well 💪 hope you enjoy your evening if you go out x
Debt Busting Again in 2026!
Starting Debt 03.05.26 = £5345
Clear the M&S Card Starting Balance 03.05.26 £600
5 -
That's a big frog eaten SH - well done.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living4 -
Thanks BM, FS, @Crystal, jwil and Dancing.
Just hoping for a peaceful evening. Listening to a story for now... I have however left a reminder that the CT needs paying
Boundaries... Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/268 -
I once tried to run a business and I just found all this stuff so difficult, almost to the point of being intolerable. As we wound it up, I swore I would never do it again. Every time my work puts my pay into my bank and I don’t have to do any more with it, other than spend it, I think it’s a minor miracle.Debt Jan 2017 = £42kMay 2022 = £15k9
-
I can relate to that @boxofpaws
I got a 20% discount last night at the pub which was an unexpected boost. No £ arrived into my account from DD yet...
Now at hairdressers. I still have a voucher to spend so may have a wander around the shops later. Then hopefully I should have the house back to myself for a few days.
Want to crack on and work on my pip form this weekend. But as my sis says it's quite confronting as you list all your struggles which you would normally bury knowledge of... I don't want an audience for that...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/2610 -
Send a prompt message.
Chip away at the form rather than go all out, have a page saved on your PC for each section then you can keep adding to it. On the form you write see page ? attached, don't forget to add your name and NI details to each page. The forms are not big enough for people to complete accurately.
Enjoy the pamper and shopping trip, hope you find something nice.
Mortgage started 2020, aiming to clear 31/12/2029.8
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.6K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.5K Spending & Discounts
- 247.5K Work, Benefits & Business
- 604.3K Mortgages, Homes & Bills
- 178.5K Life & Family
- 261.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards