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Prosperous soul embraces creativity & mortgage neutrality

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Comments

  • Alchemilla
    Alchemilla Posts: 6,276 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I hoped the gift would be re-given otherwise it would mess with your head so much!
  • jwil
    jwil Posts: 22,426 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ouch to the glasses, I thought mine was bad!  Hope you get some sales to cover it.
    "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 McGee
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks MF, @boxofpaws and @Alchemilla

    boxofpaws said:
    I’m so pleased for you that gift has been regiven. How wonderful 
    It is really wonderful.

    I hoped the gift would be re-given otherwise it would mess with your head so much!
    It's the only reason I was able to have anything in my budget towards glasses at all!! But yeah I spent all week wondering... 

    I've listed something on FB and 3 people have tried to scam me with links already.  You'd think they'd be cleverer as they had very obvious foreign names and it was a cut and paste url job!! Still disgusted.

    I have listed a bike, dog crate and a wheelbarrow type thing so far. 

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
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