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Prosperous soul embraces creativity & mortgage neutrality

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  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today, I physically have to go into work for a big meeting. Being there reminds people I'm still working away even when at home. It's hard to make myself do - but will save me heating money and it's only a short commute.  It will give me some social.  On the life admin front - I can also scan in the life ins docs and email them off - saves a stamp! 

    I ran out of steam last night meaning neither the front room or my new study look the way they should. Like not going to open the front curtains today - messy -  :D . I moved a unit - and dumped it's contents on a table, a chair and the floor. Looks like I've been burgled.

    On the positive side, the colour of the painted chair is growing on me. It looks lovely against the white walls. Sitting in it last night though I could see the parts on the opposite wall I still needed to touch up. (Perfectionist - me - noooo).

    I've put a few pounds back on - so want to get my weight under control - and start going back in the right direction. Too many treats and not enough exercise. 

    DD is being picked up and dropped off for work for December so that's an early xmas present in that it saves me fuel and means I don't start the week exhausted from a 100 mile round trip.

    I bought a present for my Dad that my sis has already bought - so I tried to return it to the delivery guy - but have a feeling he couldn't work out what to do and I could have a dispute on my hands - as they sent me an email saying it was delivered. It also means I need to find something else to give my Dad. 

    I still need to resolve my will. I now have the DOB and addresses and full names I need. Tonight's job though or I'll never get to work! I'm less in a rush than I was - as apparently my original will still stands - just Ex can't inherit.

    Now though I need to force myself to finish getting ready for work and get out the door. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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