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And now we go again...

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's been a full on year for you. Hope this coming year is smoother for you.
    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
  • Cheery_Daff
    Cheery_Daff Posts: 17,655 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I reckon any year that has a house move in it shouldn't expect to have any other activities, so you have done excellently! What a lovely feeling to have new year in your new house 😊 We moved in Feb so the novelty had somewhat worn off by the time we got round to new year again 😂

    Looking forward to seeing what your plans are for 2023!
  • Makingabobor2
    Makingabobor2 Posts: 4,389 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    sounds like you had some lovely walks and some great plans for the year already. With this awful weather, its nice to plan holidays. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,084....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £850/£3000
    .

    Studies/surveys  November £0

    Decluttering items 1382/
    2025
    Books read    20
    Jigsaws done  18

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Just popped in to wish you a very Happy New Year to you and yours EH!😀👍. 
    I've been catching up with your diary now that I'm back on the boards.  I'm still only at the posts for 28th September though!🤣🤣🤣. Bit of a long way to go still but loving all the new house chat!
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • badmemory
    badmemory Posts: 10,078 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    You have to watch those hooleys.  In the last one the cowl for my central heating took off & it must be much travelled as none of my neighbours have seen it.
  • amber03
    amber03 Posts: 1,404 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    I’m definitely hoping for a quiet year, just happily plodding along.  Oh and also better weather in the next few weeks. Had enough of rain and definitely wind now. Hope you have a safe journey on the motorway and arrived home in one piece.xx
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
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