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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 10/10/251 -
Thank yousavingholmes said:
"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 McGee1 -
sorry to hear about your aunt.
Glad you have got your guttering sorted hope the bill isn't too steep.
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Thank youpennywisepoundstupid said:sorry to hear about your aunt.
Glad you have got your guttering sorted hope the bill isn't too steep. "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 McGee1 -
Today's PAD £2
Jan - £141
Feb - £139
March - £89
April £74
"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 McGee1 -
Today's PAD £35 - thanks to an epic survey!
Jan - £141
Feb - £139
March - £89
April £109
"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 McGee1 -
Sorry to hear the news about your Aunt - that's sad.
that's a cracking PAD today - well done!
As for soaking of various things, I usually have frozen pre cooked chickpeas in the freezer, and I did a batch of yellow split peas a couple of weeks ago too. I want to remember to do black beans this weekend, I think. with pretty much anything like that, I've discovered the benefit of soaking for a full 24 hours pre cooking - it reduces the cooking time far more than the standard overnight soak.🎉 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 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2 -
Just catching up. I noticed carrot and swede mash in MnS and it was pricey so excellent idea to make and freeze.
Pension savings sound like a good ideaIf 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
Emergency fund 3501000
Buffer fund 0/100
Debt Free (again) 25/0720252 -
Great survey £ and PADAchieve 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 10/10/251 -
Thank youEssexHebridean said:Sorry to hear the news about your Aunt - that's sad.
that's a cracking PAD today - well done!
As for soaking of various things, I usually have frozen pre cooked chickpeas in the freezer, and I did a batch of yellow split peas a couple of weeks ago too. I want to remember to do black beans this weekend, I think. with pretty much anything like that, I've discovered the benefit of soaking for a full 24 hours pre cooking - it reduces the cooking time far more than the standard overnight soak. Good idea about soaking for 24 hours as well, thank you.
Thank you. I love swede so had stocked up while it was cheap over Easter.doingitanyway said:Just catching up. I noticed carrot and swede mash in MnS and it was pricey so excellent idea to make and freeze.
Pension savings sound like a good idea
Thank yousavingholmes said:Great survey £ and PAD There have been some good surveys around this week! "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 McGee1
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