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Mortgage free in Forever Home :-)

1369370372374375703

Comments

  • Watty1
    Watty1 Posts: 7,417 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just caught up.  What a 'performance' at work.  Would use another phrase but would be moderated out.     Hang in there, @Humdinger1 asks a good question re raising formally.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • If your terms of working that were agreed when you started in the role have changed, and you 'have' to work more hours, without a pay increase and your consent, and you can't perform the function you are there to do as effectively, then this is definitely a serious issue for HR- because of manager's issues and not what he's projecting on to you!
  • savingholmes
    savingholmes Posts: 29,106 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I would resist the extra hours but know that is easier to say than do  - I still would though. HR does sound like it could help with that. 

    So sorry about the colleague.

    The blanket is stunning. 
    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
  • That all sounds really positive and productive 😊
  • savingholmes
    savingholmes Posts: 29,106 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's nice when you both feel like you've had a break. 

    Glad your shoulder is improving.
    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
  • I really like the sound of those rolls.  Hope they taste as good as they sound.
  • We are really looking forward to homegrown cucumbers, they are really small at the moment.
     Love 🐞

    Grow your own: £14.66
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