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  • badmemory said:
    Don't forget the contributions to pensions also.Β  You won't get the extra from tax in the pension but it will save paying tax on that money.

    Definitely on our list of options BM.

    Good that you are lovely employers ;)

    We are very lovely SH πŸ˜‚πŸ˜‚πŸ˜‚

    Fortune x

  • KajiKita
    KajiKita Posts: 7,978 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I had no idea that being self employed was so painfully complicated on the tax front. Puts me off even more! πŸ˜‰πŸ˜‚
    I hope Mr FS appreciates how lucky he is to have you help wrestle with all this!Β 

    On a serious note, I hope the headache eases today and I am with you on the struggles to eat well / sensible portions. So hard at this time of year as well. Cheering you on with very small improvement to this.Β 

    KK

    As at 15.08.25:
    - When bought house Β£315,995 mortgage debt and end date at start = October 2039 - now Β£232,244
    - OPs to mortgage = Β£12,148Β  Interest saved Β£5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 48 books of target 52 in 2025, as @ 31st August
    Produce tracker: Β£353 of Β£300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions.Β 
    Watch your actions, they become your reality.Β 
  • savingholmes
    savingholmes Posts: 29,001 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Definitely tackle the blood pressure - not worth the risk of not doing. At least you know you can do it as you've made a difference before and stuck to it for extended periods. Feasting is part of the cycle of life - it's when it becomes prolonged it becomes an issue... Toddles back to her prawn salad and jacket spud - ignoring the fat in the mayonnaise and the other carp that will get eaten later...Β 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 Β£202K now Β£174.8K Equity 32.77%
    2) Β£1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC Β£25.3K + Lump Sums DB Β£4.6K + (25% of SIPP 1.2K) = 31.1/Β£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target Β£16.5/30K 55.1%
    5) SIPP Β£4.8K updated 29/7/25
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