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So close, we can smell mortgage freedom!

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Comments

  • Suffolk_lass
    Suffolk_lass Posts: 10,780 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I can endorse the Ticket to Ride recommendation as we played it with friends then I bought it for DH's birthday. We also bought "The London Game" last Christmas, which is for 6, whereas TTR is only four
    Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
    OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
    My keep within our budget diary is here
  • savingholmes
    savingholmes Posts: 29,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the leaf miner. 

    Well done on the steps and the weeding.
    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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