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Comments

  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Welcome back - I'd seen you posting on a few threads recently so was pleased you were okay.

    You got through an extremely challenging year - well done. I'd get your DH to claim JSA as he's paid enough taxes but I also understand why he could be reluctant. Definitely be kinder to yourself moving forward. I think your DS has had a challenging time too - so has done well.

    Hope 2024 is better for you all.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 Β£202K now Β£171.3K Equity 36.55%
    2) Β£2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC Β£30.9K + Lump Sums DB Β£4.6K + (25% of SIPP 1.25K) = 35.5/Β£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    4) FI Age 60 income target Β£17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum Β£15.8/30K 52.67%)
    5) SIPP Β£5.1K updated 14/11/25
  • rtandon27
    rtandon27 Posts: 6,269 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Happy New Year 2024!

    Hope you are recovered from any late night NYE festivities!  We only just made it past midnight & are paying the price today 🀣🀣🀣  Coffee is being consumed 😊
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    Original Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)
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