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And now we go again...

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Comments

  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Eek to the bindweed - the nerve of interrupting the lovely flowering campanula too... I'd be annoyed at that as I adore campanulas.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • jwil
    jwil Posts: 22,815 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you had a lovely time and Happy Birthday for tomorrow!
    "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 McGee
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like you had an amazing time away - and very MSE too.

    Happy Birthday for tomorrow.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 7,357 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    🎉🎉 HAPPY BIRTHDAY EH 🎈🎈 hope you have a spiffing.

    Greying X
    Grocery Spend December 2025 - cash £187.28/£171  MrS vouchers £20/£20 MrT vouchers £9/£9
    Non-food spend December 2025 £64.52/£50 
    Bulk Fund December (month 12 of 12) £0/£9.12
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