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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 - £28595.06
November 2025 - £205293 -
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 £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 14/11/251
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