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Follow the Yellow Brick Road 2023

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  • i like that thought process SS. Hopefully they didn’t detract from you enjoying Christmas too much. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I like the 'let them' philosophy - but it can be hard in practice still. We all have that innate desire to belong and be accepted. I like Brene's take on that - that we have to belong to ourselves - and that as soon as we belong elsewhere it actually means we have compromised and become less. It's a radical mind shift but interesting...  
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    I also think in practice it’s hard when those people are your family and you feel like you have little choice as to say something or distance yourself would make it so hard for others. I’m having to really practice keeping my distance in the same room. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • SandyShores
    SandyShores Posts: 1,970 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 4 January at 8:36AM
    Just popped into my mortgage account.  £8.61 a day interest now and another month knocked off the end date following this month's OP.  If I get that down by another 2 months that will be 2 years total reduction.
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • SandyShores
    SandyShores Posts: 1,970 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    I'd love to know how you get along with distancing yourself in the same room @debtfreeoneday.  It can be excruciating to stay, but can feel like you are putting yourself in the wrong if you leave.  I like your boundary messages @savingholmes, I'm thinking of having a t-shirt printed.  I had a bag printed up the other day and it was only a few quid.
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    One saving grace is that DH has to suffer me offloading when the day is done - all the niggly things just so they are out of my head and we often end up having a right laugh about it. That helps. I also call them out on their rubbish when they are being an idiot but in a nice way so they know I’ve seen it but can’t really do anything as I’ve said it in a nice way. 
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
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