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2022 - Moving forward

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the sales.

    Completely get your need for alone time. Hope you get some soon
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Belated Happy Birthday
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • missymoo81
    missymoo81 Posts: 7,996 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey @jwil have just caught up! You’re doing such an amazing job! And Happy Birthday for last week too. I appreciated all of the chat about energy bills going up etc. i really don’t know how people are going to cope, including myself! So it’s good to hear ideas etc.
  • doingitanyway
    doingitanyway Posts: 9,955 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
      Busyness and socialising doesn't suit me, I need time to recharge. Me too, but it sounds like you had a lovely birthday so that's good. 

    Well done on the sales  :smile:

    Enjoy time with your friends.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I totally hear you on the thing of getting overwhelmed if there's too much "busy social" stuff going on - I'm precisely the same. Love spending time with folks, but I've also learned over the years that I really do have to make sure I build in some solo time as well. And belated happy birthday from here, too! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • WinterWarrior
    WinterWarrior Posts: 6,103 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    A late happy birthday from me too. Enjoy your lovely birthday books 📚
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • jwil
    jwil Posts: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes said:
    Great news on the sales.

    Completely get your need for alone time. Hope you get some soon
    savingholmes said:
    Belated Happy Birthday
    Thank you :)  

    missymoo81 said:
    Hey @jwil have just caught up! You’re doing such an amazing job! And Happy Birthday for last week too. I appreciated all of the chat about energy bills going up etc. i really don’t know how people are going to cope, including myself! So it’s good to hear ideas etc.
    Thank you :)  I love to see everyone's ideas to save money too.

    doingitanyway said:
      Busyness and socialising doesn't suit me, I need time to recharge. Me too, but it sounds like you had a lovely birthday so that's good. 

    Well done on the sales  :smile:

    Enjoy time with your friends.
    Thank you, it was lovely and nice to do things as well.

    EssexHebridean said:
    I totally hear you on the thing of getting overwhelmed if there's too much "busy social" stuff going on - I'm precisely the same. Love spending time with folks, but I've also learned over the years that I really do have to make sure I build in some solo time as well. And belated happy birthday from here, too! 
    Thank you :)  Yes, I think this is something I've particularly learned during Covid where there was just no alone time at all.  I'm always worse if work is busy too.

    WinterWarrior said:
    A late happy birthday from me too. Enjoy your lovely birthday books 📚
    Thank you :)  It's lovely to have a nice pile of books to look forward to reading :)
    "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
  • jwil
    jwil Posts: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It was lovely to catch up with my friend earlier and the kids had a great time too.  It was in the middle of nowhere, I'm so glad DH was driving as I'm not sure I would have found it!  I'm not a fan of driving on narrow country lanes anyway.  Great venue though!

    She gave me and little jwil birthday gifts and a cake too, so we have been spoiled.

    I pulled out all of the packaging earlier and sorted through and tidied it up.  It's all better organised now, and I decluttered some of the boxes packing the parcels we sold as well.  It means I've managed to get DH's motorbike gear back in the cupboard rather than it being left on the floor in the front room where it has remained for months!  Small things just make a difference to how tidy the house feels.

    I read the meters while I had the cupboard empty as well so that's another job done, albeit a little earlier in the month than I normally would have done it.

    Little miss has lost a tooth, so the tooth fairy had better remember to attend tonight!
    "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
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you had a good day :)
    Yah for more sales.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Can you remind me where we got those leggings? Ta.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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