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Comments

  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done for tackling the legal stuff. It sounds challenging. 
    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
  • Brie
    Brie Posts: 15,102 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    It's good to hear how well you sound like you are coping.  I think that makes life easier for others as well.  

    Stay strong.

    my old high school principle used to say "this too shall pass away" which is reassuring and leveling in that you should appreciate the good times as they won't last but neither will the bad times that might follow.
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇🏅🏅
  • Just catching up with everything ..
    Sorry to hear about your relative . Also sorry to hear about the magpie/ vulture situation that comes with no will etc . 
    The only thing to add there , is that you know what's what and can rise above the shenanigans and you'll be able to move on from this . 

    As for the job situation , it seems best to go along with everything for now . 
    Change is life , and you are adjusting to everything thrown your way . 

    Thankfully / hopefully , the wheels have finally started to turn in favour of your Hse purchase. 
    After all you've been through , ( an awful lot over last couple of years) it's about time you get the Hse and eventually put all this behind you ..
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Money tends to bring the worst out of people. I hope things settle and the counseling session helped.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • doingitanyway
    doingitanyway Posts: 10,190 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks @savingholmes, @MovingForwards and @in_need_of_direction

    Thanks @mark55man I am pretty clued up on death and the implications of no will. As @MovingForwards says, money brings the worst out in people, so there is a lot of sniping   :(

    Thanks @Brie I totally agree with your high school principal.

    Thanks @another_casualty I do seem to able to rise above the shenanigans to an extent
    I am going to do the job until at least Christmas and see how it goes.
    I like your summary of my situation. Spot on!
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Good luck for tomorrow DIA 😼
    Once tomorrow is finished with, then that’s the week well and truly conquered!
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