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Getting the balance right
Comments
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Well tweaked!Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”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 £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
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 left3 -
It was heartening seeing the huge amount of insulation boards going into our attic conversion - like a giant deck of cards4
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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 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Moralpanic said:An adventure budget is fantastic. Even the name gives you impetus to save.4
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skint_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
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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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