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In the Meantime

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  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Lightly fry it with garlic for a quick snack, take this frog down like you've done the others. Pension companies seem to have a knack for not understanding urgency or wanting things done right.

    Book sounds great, I won't be the only one waiting to hear what you've cooked.

    When you've got an hour, sit down with a nice coffee and go over your budget. Allow some pocket money and remember when you're in your new home, all your possessions will be too.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Humdinger1
    Humdinger1 Posts: 2,341 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @doingitanyway how about Rotary? O know they often donate money round here for things like wheelchairs.  I'm so excited about your new house! Love Humdinger xx 
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good news on the pension - hopefully they will sort the second error out quickly too. 

    I can relate on the spending to save - having stocked my tin cupboard this week - but it feels like inflation hedging and is difficult to resist. I also got some YS goodies. It does help - as long as they aren't all extras.
    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
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the financial frog.
    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
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Well done for taking the frog down.
    Mortgage started 2020, aiming to clear 31/12/2029.
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