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Alchemausterity II

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Comments

  • Alchemilla
    Alchemilla Posts: 6,275 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper


    I received a love spoon and a proposal for Valentines so it is probably time to stop oscillating about DF (dear fiancee) 🙂
    Congrats!! The love spoon sounds cute !

    me three on the Watty comment. 
    @Lad@LadyWithAPlan it is one of my fav presents ever!
  • Alchemilla
    Alchemilla Posts: 6,275 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper


    I received a love spoon and a proposal for Valentines so it is probably time to stop oscillating about DF (dear fiancee) 🙂
    Congrats!! The love spoon sounds cute !

    me three on the Watty comment. 
    Ditto from me on the Watty comment. While a proposal sounds romantic - you have shared some red flag warnings on your diary since your return... I've known people spend a lot of money on weddings they can't afford to paper over the cracks - only to then get divorced shortly after... Best to be as sure / protected as possible ahead of time.
    @sav@savingholmes it will be a very quiet wedding a year from now. Nothing has been done that can't be easily undone and I will be keeping a watching brief 🙂
  • Alchemilla
    Alchemilla Posts: 6,275 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    newgirly said:
    Congratulations ❤️
    Thanks @newgirly 🙂
  • savingholmes
    savingholmes Posts: 29,065 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the kidneys. 

    Glad you are not rushing into things. 

    Film sounds interesting but I think it would be too much for me.
    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
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