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In the Meantime

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Comments

  • 24ta
    24ta Posts: 268 Forumite
    Part of the Furniture 100 Posts
    Enjoy your break :)
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Christmas and Happy New Year - as well as safe travels
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • Chrystal
    Chrystal Posts: 2,005 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Have a fabulous time whilst you're away, and hopefully the bleeping housing market will have regained some sense by that time! (((hugs))) XXX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • jwil
    jwil Posts: 22,238 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the offer, but have a lovely time away.
    "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
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Sorry this one didn't work out, there'll be a much better one for you soon.
    Have a lovely extended break, Merry Christmas and here's to 2024 💗
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Mrs_Boo_Boo
    Mrs_Boo_Boo Posts: 569 Forumite
    Part of the Furniture 500 Posts Combo Breaker Photogenic
    edited 31 October 2023 at 12:42PM
    Hi there DIA. You won't get this until you come back, but as I have only just popped in again I thought I would send you a message before I forgot!
    Hope all goes well on your lovely break. 
    2024 is your year (I say this every year, but there's always hope and what's wrong with starting off on a positive note?). 
    Take care xxx
  • Chrystal
    Chrystal Posts: 2,005 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Thinking of you and sending (((hugs))) and Warmest Wishes XXXX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • DaisyCheerings
    DaisyCheerings Posts: 141 Forumite
    Fourth Anniversary 100 Posts Name Dropper Photogenic
    I've managed to catch up from August and you've really been through it, but you have dealt with everything very well.  I know we can all doubt ourselves as we know how panicked and anxious we feel, but despite those feelings you've pushed through and done yourself a great service.  I'm sorry about the house falling through but after living in my last house that needed constant work that I didn't have the mental capacity to deal with, you've done the right thing walking away.

    Hopefully your break has refreshed you and you start 2024 with a renewed sense of motivation.  Good luck in 2024 and I really hope your dream house steps out from the little curtain it's hid itself behind in 2023.  
    Debt on 01 July 2022 = £42,083.00
    Debt on 01 January 2023 = £37,075.87 (-£5,007.13)
    Debt on 01 January 2024 = £24,922.36 (-£12,153.51)

    Debt:
    01 January 2024 = £24,922.36, 01 February = £24,170.95, 01 March = £23,298.44, 01 April = £22,424.83
    Current debt free date = 01 July 2026.
  • Seasidegal58
    Seasidegal58 Posts: 6,102 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I hope you had a wonderful Christmas and New Year and look forward to hearing from you on your return. 😀
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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