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In the Meantime
Comments
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Enjoy your break
2 -
Happy Christmas and Happy New Year - as well as safe travelsAchieve 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 -
Have a fabulous time whilst you're away, and hopefully the bleeping housing market will have regained some sense by that time! (((hugs))) XXXI 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 unhappy2 -
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 McGee1
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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 31/12/2029.2 -
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 xxx2 -
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 unhappy3 -
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 2026.3 -
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!”3 -
I hope all is well with you @doingitanyway and that you had a good Christmas and New Year 🌺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 2026.5
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