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Comments

  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not a fun end of year task but if there's money attached....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • KajiKita
    KajiKita Posts: 9,061 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    savingholmes said:
    Not a fun end of year task but if there's money attached....
    Done, dusted and actually quite enjoyable as I could see how much things have improved over the last few months 😊

    I’ve told my boss that I have a cunning plan for achieving various clever and box ticking things, but he has to wait until January to find out how it will happen …! 😉 I also befuddled him by using the word ‘gargantuan’! 😂😂😂😂

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love that word 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • KajiKita
    KajiKita Posts: 9,061 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    savingholmes said:
    Love that word 
    😊
    I confused another German colleague later on in the day with both this word and ‘nimble’. 😉

    KK 
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 9,061 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Everyone is getting agitated and emotional! Had to step in on a political spat between Italian, Chinese, German and British colleagues today, smooth ruffled feathers and remind everyone to ‘assume positive intent’ …. ! 😂😉

    Wepretendwebuybooks rejected a book they offered 39p on but charged me £3.06 for the privilege! Bah! Still, I ended up earning £10.57 - £5.57 is now an OP, £5 is in the fun fund (which is now running at the heady heights of £20! 😂😂😂). Also checked my M@rcus account - £20.40 monthly interest has landed which can stay where it is and be ‘more savings’ 😊

    Mr KK has bought a ‘new’ van today - 14 years old, exact same model as his current one, ex fleet vehicle for a utility company with full service history, 100K on the clock. After a bit of haggling and a surprising trade in offer on his old one (really?! 😳😂) he’s paying £1,700 for it, which he is both pleased and relieved about as the gear box is going in his current one. He collects it on Friday 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • redofromstart
    redofromstart Posts: 6,025 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    How annoying on the book selling front. 
    My mortgage free diary: +++ Divide by Cucumber Error.  Please reinstall universe and reboot+++

    GNU Mr Redo

  • KajiKita
    KajiKita Posts: 9,061 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Another £5 OP thanks to QM33 😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • CCW007
    CCW007 Posts: 1,116 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    KajiKita said:

    Wepretendwebuybooks rejected a book they offered 39p on but charged me £3.06 for the privilege! Bah! 
    Reminds me of a friend who called We Buy Any Car to get a quote for his Audi RS4 to be told they weren't interested in buying THAT car 😁
  • KajiKita
    KajiKita Posts: 9,061 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    CCW007 said:
    KajiKita said:

    Wepretendwebuybooks rejected a book they offered 39p on but charged me £3.06 for the privilege! Bah! 
    Reminds me of a friend who called We Buy Any Car to get a quote for his Audi RS4 to be told they weren't interested in buying THAT car 😁
    😂😂😂😂 Typical! 🤷‍♀️😊

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 80 books of target 52 in 2025, as @ 25th December 
    Produce tracker: £457 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • CCW007
    CCW007 Posts: 1,116 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    edited 20 December 2023 at 8:21AM
    KajiKita said:
    I also befuddled him by using the word ‘gargantuan’! 😂😂😂😂

    `Just had a PA survey matching words and one of them was gargantuan  :)

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