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Comments

  • lucielle
    lucielle Posts: 11,849 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    As busy as ever EH. I take magnesium it help with the monthly symptoms IyKWIM. 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Annoying about return to office requirement - my place is unlikely to do that as they are planning to divest themselves of some of their surplus buildings to bring in much needed cash.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
  • rtandon27
    rtandon27 Posts: 6,762 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 16 January 2024 at 7:44PM
    WOW EH - you are a hardy lot in your house!  16 is very BRRRRR!

    I nag OH to keep the house at 17, especially in the morning while I'm getting ready for work & swelter next to the radiator!  He's of the view that 21 is civilized, but we both start getting cold at 19.5!  He's sure that the temp on our thermostat is incorrect & I'm inclined to agree as it lives on a bookshelf in the dining area, nicely insulated in a cubby of sorts.  Given that it's portable, I'm of the view it should live wherever we are stationed, be that living room, kitchen, bedroom or spare room/office!
    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 - Sep 2038 (reduced by 3 years)
  • lucielle
    lucielle Posts: 11,849 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the duvet set. It’s very brrrr here today. 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
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