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Prosperous soul embraces creativity & mortgage neutrality

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Comments

  • lucielle
    lucielle Posts: 11,645 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    New boots sound nice. Hope the cat appears. Is DD near to passing her test?  
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • badmemory
    badmemory Posts: 10,174 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    The cat is probably doing that cat thing where they look at you as if they are starving & homeless & please please feed me.  So it is probably eating best salmon in someones house.  There is a local one here that comes in through either an open window or door if I leave it open.  Although I did shut one in the garage a couple of years ago, so now I have to wait until the door is all the way down (its automatic) before I drive off.  Thank goodness I was out less than an hour as at that time I was going away every weekend, that would have been awful.
  • jwil
    jwil Posts: 22,793 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you've booked the accommodation, and hope work pay up.

    Hope the cat is ok, it's always worrying when they disappear. 
    "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: 29,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Lucielle - DD hasn't got her test until Feb. She struggles with anxiety so decided not to bring it forward.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • Pleased to hear the cat is back.
    Even if work don't refund, it was still worth booking to start the day on the right footing.
    Great news about the award and back pay.
    Hope your visitors are a freshing change.
    Mortgage started 2020, aiming to clear 31/12/2029.
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