We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

And now we go again...

17374767879259

Comments

  • lucielle
    lucielle Posts: 11,643 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: 29,129 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 £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
  • rtandon27
    rtandon27 Posts: 6,231 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 16 January 2024 at 6:44PM
    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 Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)
  • lucielle
    lucielle Posts: 11,643 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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.