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

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Comments

  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I'm so glad you still loved your soon-to-be new house. Always a bonus when the current owners can show you the little bits that EA can't. Also a win on the furniture. 

    That's annoying about your phone data. Shame EE couldn't give you a better deal. DS has a much better deal on data on his phone than I do which is annoying! His phone is a cheaper one than mine (being so young I didn't particularly want him to have an expensive one) and mine was chosen for the only reason that it can live transcribe phone calls, so if anyone rings me (why don't they text? :lol: ) I can have relatively accurate subtitles when they speak. So mine was more expensive than I would normally have chosen. He mainly uses his at home too so hardly uses any data which makes it extra annoying :lol: 
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good things are coming together for the house 
    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 13/9/25
  • jwil
    jwil Posts: 22,219 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the viewing has reinforced your choice of house, and great about getting the furniture as well.
    "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
  • themadvix
    themadvix Posts: 8,930 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    It's all sounding so positive re the move - very exciting!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


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