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Prosperous soul embraces creativity & mortgage neutrality

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Comments

  • savingholmes
    savingholmes Posts: 29,194 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done for catching up / visiting powerspowers. As you can tell my diary isn't just about paying the mortgage -  although if I manage to stop over-buying and sell more it really should help me become MF quicker.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
    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 £5.4K updated 8/5/26
  • MovingForwards
    MovingForwards Posts: 17,180 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    You've moved on, so has your cat hence the change in both of you. They are very loving in the right environment for their needs and obviously the new set up is what your cat wants.

    It's still early days and next year I think your diary will be different again as you'll have cleared clutter and fallen into finding a routine.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • MovingForwards
    MovingForwards Posts: 17,180 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Takeaway is a good celebration meal.
    You need a giant rug to sweep it all under!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Fab news on the negative tests!

    Debt Busting Again in 2026!

    Starting Debt 03.05.26 = £5345

    Clear the M&S Card Starting Balance 03.05.26 £600

  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Welcome back to the outside world
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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