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Comments

  • savingholmes
    savingholmes Posts: 29,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Don't over do it. Not worth risking long c19
    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
  • newgirly
    newgirly Posts: 9,465 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Oh no how horrid for you especially in the heat ☹️ Hope you are feeling a bit better now Vix. Our only ever trip to Scotland was Helensburgh to visit a great aunt who lived on a caravan park when dd was a toddler, such amazing scenery driving around Loch Lomond, we are hoping to go back next year on a little road trip, so I might ask for tips 😬
    MFW 67 - Finally mortgage free! 💙😁
  • savingholmes
    savingholmes Posts: 29,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your fever's broken and you're getting some help from Mr MV

    Don't over-do it. Relax. Listen to your body.
    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
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