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Currently clueless...aiming for awareness
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Ooh I forgot to add, I paid off a nice big chunk (£200) from my highest interest accruing card this week so the balance is now only £350, and I'm getting a big backdated expenses payment next month that I hope will clear it all 🤞 so that's good news!Unsecured debts total -
May 2023 - £30355.65 🤢
June 2023 - £29161.76
July 2023 - £28595.063 -
Great news on the CC payment.
I think a bouncy castle party doesn't really need extras. They are so loud and boisterous. Good luck with it.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 13/9/251
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