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Comments

  • savingholmes
    savingholmes Posts: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry the trip was disappointing. 

    Well done on the PADs.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry the trip was disappointing. 

    Well done on the PADs.
    Thank you :)
    "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
  • Onebrokelady
    Onebrokelady Posts: 7,950 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    I would definitely put a complaint in as not only is that a security risk it’s also a safety risk if you can’t get out 😳
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I would definitely put a complaint in as not only is that a security risk it’s also a safety risk if you can’t get out 😳
    Yes that's very true, and my first thought.  It was working fine from inside, but not from outside, but who knows if it would have gone totally.

    I didn't manage to put my complaint in yesterday, I'm snowed under at work, and so worked late. I will try and do it!
    "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
  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £319
    Feb - £135
    Mar - £87
    "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
  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's PAD - £2

    Jan - £319
    Feb - £135
    Mar - £89
    "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: 29,109 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the PADs.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • EssexHebridean
    EssexHebridean Posts: 24,956 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Aww what a shame that the break was marred by stuff being wrong - I agree with those saying to definitely pop a complaint in as and when you have the time - aside from anything else, you complaining might mean they fix things so at least another family won't have similar problems, and that is the sort of karma that will definitely give you a boost when it returns to you along the line! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the PADs.
    Thank you :)  

    Aww what a shame that the break was marred by stuff being wrong - I agree with those saying to definitely pop a complaint in as and when you have the time - aside from anything else, you complaining might mean they fix things so at least another family won't have similar problems, and that is the sort of karma that will definitely give you a boost when it returns to you along the line! 
    Thank you :)  I had forgotten about the complaint actually, this week has been so crazy, it seems a long time for the weekend. I will try and do it tomorrow.   You are right, there are a couple of items which are potentially risky so I should do it.  Others are inconveniences, but very annoying - i.e. a kitchen sink without a plug or a washing up bowl - you need at least one or the other to wash up without wasting huge amounts of water.  A dustpan but no brush - not helpful when we've been to the beach and despite our best attempts to brush off, manage to bring sand in.
    "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
  • jwil
    jwil Posts: 22,627 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 21 March 2024 at 7:17AM
    Happy Thursday!  I'll be glad to see the end of this week.  It's been incredibly busy and I've also spent an inordinate amount of time fighting my VR quote.  They still say I am statutory, and I know this is not the case, but I wasn't sure about the multiplier.

    In desperation I googled the organisation I was with (that doesn't exist any more) and redundancy policy.  I wasn't expecting anything, but I did find some evidence for the actual year I was transferred over!  They show an almost £30k difference.  I've sent that over and am waiting to hear again.  If they don't confirm what I believe, then I will join the union.

    My problem is now that it's a decent sum, I am considering whether I should go.  I don't think I will, but that figure is flashing before my eyes :D It's a bit of a gamble though as if I stay and move to a new job, then I'll lose my protection  so be back to statutory, so it feels like a one off to have a nice lump sum.   I think I just need to keep my eyes on the long term plan though and hope it all works out for the best.  Because I don't want to commute, I'll be looking for a job locally, and that will likely result in a pay cut and so I'll need to dip into it anyway. It also works on the assumption that I would walk straight into a new full time job and won't need to use the lump sum to live on while I find a new job.  I also won't build up the pension I want to retire early so I think I've got to stick to the long term plan unless I'm pushed.
    "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
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