We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
In the Meantime
Comments
-
Glad the creative juices are flowing. Enjoy the cottage.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 10/10/251 -
Thanks everyone
My life is in flux again as I will be moving out and not sure where. I don't know how many times I can keep doing this...
I have until Christmas
I actually dreamt last night this would happen, so I must have subconsciously been picking up on something.
So much more that I can't write here. (My host is still very lovely however.)
Having a home is so core to feeling secure.
It has sent me into panic, I am but going away as planned.
I have put feelers out and we shall see.
Send positive, calming vibes my way please
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 3501000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
Oh 🙁 Sending lots and lots and then some of positivity your way 🙏I get knocked down but I get up again (Chumbawamba, Tubthumping)3
-
Hi. I’ve been following your thread. Sorry to hear about the house purchase not happening. Are there any static caravan sites you could rent for a while?
LTotal 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 #1244 -
Sending you lots of positive energy & vibes.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.3 -
Sorry you have to move again. Not ideal. Lots of positive and peaceful vibes coming your way. Glad you have the cottage to retreat to this week. Let's hope a solution presents itself soon.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 10/10/253 -
So sorry to hear you're on the move again.
Are there any quirky conversions that take you're eye in the locations you're looking at? They may even come a good amount under your budget, leaving you sufficient cash to get through to SPA.Mortgage started 2020, aiming to clear 31/12/2029.3 -
Sorry to hear you are on the move again. Hope you find somewhere soon. Glad you've got the cottage again, and had a good creative break as well."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 McGee2
-
Time to start thinking outside the box methinks
3 -
Just had a thought, what about an Airbnb? On a podcast I listen to one of them has been staying in one for for a few weeks while she’s waiting for her new build to be finished after selling her previous house.I get knocked down but I get up again (Chumbawamba, Tubthumping)3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.8K Mortgages, Homes & Bills
- 177.5K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards