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  • 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 £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 10/10/25
  • 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: 6,061 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)
    New projection - 14 YEARS 7 MONTHS LEFT OF 20 YEARS (reduced by 17 mths)
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