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Ding! Ding! All change, please... (now replaced with new diary on MFW)

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Comments

  • milann
    milann Posts: 11,439 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Happy new laptop….enjoy.
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lovely photo 🦆 and enjoy your new laptop 💻 . Great use of money 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 29/7/25
  • jwil
    jwil Posts: 22,197 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Woo hoo, I've finally got to the end of your diaries and am all caught up :)

    Fascinating reads and lots of inspiration for me, thank you.  Good luck with selling the flat, hope spring brings some movement in the markets.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds a good mix of activities planned. Have fun!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 29/7/25
  • jwil
    jwil Posts: 22,197 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    cauli/pasta cheese bake with bacon and chunks of cooked black pudding - this sounds lush!  Have you got a recipe please?
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • milann
    milann Posts: 11,439 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Sounds as if you have a great weekend planned……think the weather forecast is a good one 😁
    January spends - £587.58
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