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Debt free and staying that way while I re-evaluate life and keep blood sugar levels down



  • jwil
    jwil Posts: 19,483 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Thanks @jwil I did! Getting on now but chronological and biological ages do not have to be the same and anyway I feel well and happy if slightly worried about the cost of living.  I'm planning to audit the pantry and see what dainties I can conjure....
    The way you feel is much more important.  Agree about the cost of living though.
    "If you can dream it, you can do it". Walt Disney
  • Sun_Addict
    Sun_Addict Posts: 21,687 Forumite
    First Post Name Dropper Photogenic First Anniversary
    Happy belated birthday 🥳 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Humdinger1
    Humdinger1 Posts: 1,926 Forumite
    First Anniversary First Post Name Dropper
    Thanks everyone! Gosh I hope you're right re food inflation...
  • doingitanyway
    doingitanyway Posts: 8,909 Forumite
    First Anniversary Name Dropper First Post Mortgage-free Glee!
    I hope you had a lovely birthday :smile:
    Good point about chronological and biological ageing.

    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • savingholmes
    savingholmes Posts: 27,676 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Hi. All caught up. Where's your next post @Humdinger1 I'm ready for you now  o:)

    I went through an element of food and clothes scarcity as a kid and it definitely negatively impacted my spending habits as an adult.

    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 235 payments to go - now £182,428 Equity 27.02%
    2) Spend on handyman & external building works & new patio door £13.45K
    3) CC £6.7K on 0% spends card but offset by £34.2K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.1K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
    6) SIPP £4.1K
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