We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

A Better View 🌄

18911131478

Comments

  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It makes sense to not use you home address but if you ever stop paying for mail forwarding and don't update companies hse and tx people you can get fined and shut down... May have learned that one the hard way!!

    Well done on the sewing. All sounds impressive.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    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
  • It makes sense to not use you home address but if you ever stop paying for mail forwarding and don't update companies hse and tx people you can get fined and shut down... May have learned that one the hard way!!

    Well done on the sewing. All sounds impressive.

    Thanks @s@savingholmes - that's really useful to know.

    Fortune x

  • rtandon27
    rtandon27 Posts: 6,435 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Such a lovely update Fortune!  I love how your description of the swallows really painted the picture of their gathering 😍

    I'm not fond of this part of the year either as the shortening days bring on an impending sense of doom! I do however refer to this time of year as pumpkin spice season and take great delight in the scents and sights of autumn! First chai tea of the season is currently being drunk - and I'm looking forward to a piece of maple pecan cake at some point thus week from our favorite independent cafe!
    4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)
    (With heartfelt thanks to those who have gone before us & their indubitable generosity.)
    ...and now I have a mortgage! (23 AUG 2021)
    Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.4K Banking & Borrowing
  • 254.1K Reduce Debt & Boost Income
  • 455K Spending & Discounts
  • 246.5K Work, Benefits & Business
  • 602.8K Mortgages, Homes & Bills
  • 178K Life & Family
  • 260.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.