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Getting the balance right
Comments
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Well tweaked!Mortgage OP 2026 £350/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £32,990
Make £50 a month Jan £20
Boiler fund £1225/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
Weather is due to be reasonable here thankfully - and getting warmer again next week as the week goes on.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/263 -
I think we tend to pay more in gas and electricity than all of the people down south for a few reasons ... Although I'm glad I dont live in Shetland or Orkney their bills must be through the roof
it's been an interesting day work wise ... I'm gonna deff have to get a solid number to work on for how many shifts I have left
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It was heartening seeing the huge amount of insulation boards going into our attic conversion - like a giant deck of cards
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I bet it was .... our loft is done, we need our space under the floor done, had a fair few people tell me I get it for free ... and have came out to measure etc .... they never come back3
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An adventure budget is fantastic. Even the name gives you impetus to save.3
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I felt cold indoors yesterday, had to snuggle under a blanket with the cat on top for heat. It’s blooming august!Mortgage OP 2026 £350/2000Mortgage OP 2025 £7700/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £32,990
Make £50 a month Jan £20
Boiler fund £1225/3000
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
it is a great name .... I've now put it in the budget ... want to give myself more money towards it ... but it's a startMoralpanic said:An adventure budget is fantastic. Even the name gives you impetus to save.4 -
Mr El was frozen last night ... I'm tempted to try and talk him into playing how long can we leave the heating off for. Having to put lights on at night as well just now as it's getting darker, dreading winter billsskint_spice said:I felt cold indoors yesterday, had to snuggle under a blanket with the cat on top for heat. It’s blooming august!4 -
What temp do you keep the thermostat el? We're 19 just now (well, when it's on). I wouldn't fancy much colder for the baby2
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