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Comments

  • northwalesd
    northwalesd Posts: 1,380 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    In one way sad that it's taken them this long to get to this point, but good news it's being replaced.
  • badmemory
    badmemory Posts: 10,330 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    Poor DD what a bummer for your 18th.  Covid the gift that seems to keep on giving.
  • northwalesd
    northwalesd Posts: 1,380 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hope she has a speedy recovery, terrible "present" at any time, let alone a milestone birthday (I got it just in time for my 60th last year).
  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That is a shame. Hope things improve for you both soon.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • Starlight_at_Sea
    Starlight_at_Sea Posts: 325 Forumite
    100 Posts First Anniversary Name Dropper
    Sorry this is happening for YD! No fun at all on your birthday. Just delurking to say thank you and her for testing though - we have someone very vulnerable in the household and it's reassuring that people are still testing responsibly. 
  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the gardening goes well.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you are soon bouncing with energy.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • badmemory
    badmemory Posts: 10,330 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    Whilst I would never DIY a will, I did with my POAs.  As long as you don't put in ifs & buts they are quite straight forward.
  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad that you are on the recovery end of having been ill. 

    Eek to the fridge shenanigans. Could you try charging them for spoiled food too?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Love the pants descriptions!!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
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