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

194959799100130

Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds lovely on the 🐦 feeder 
    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 10/10/25
  • Congratulations on all the housing progress.
    It might be too much faff when you're busy but remember that if you're doing a few days worth of tube trips, if you can touch in and out before or after peak times that's a few quid saved. Also, again it might be too bothersome for you but if you use your debit cards instead of oyster cards you're only paying for exactly what you use rather than putting a chunk on, and if you paid the five pound deposit you can get that refunded if you relinquish the oyster card
    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 58

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
  • starnac
    starnac Posts: 5,946 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Octopods took one more DD at the higher rate for us but they did mention it when we changed it so they should have said when the new amount would be taken. 

    Oh dear EH, I have been one of those tourists. Even worse was that I had a 8/9 year old DD with me too! :lol: You would have hated me had you been there :lol: 
    Goals for February
    Declutter 2/50
    Money Made £0/£200
    Overpayments £0/£200
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    All sounds very organised.
    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 10/10/25
  • I have also been known to gently move tourists out of the way of the ticket barrier :lol:

    https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase

    Books read 2025: 58

    Hey! Use my code GW7II3 on Eureka Surveys and unlock a short 80p survey just for signing up! https://eurekasurveys.page.link/do9nSyy8u4nikx6r6
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