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Prosperous & Creative Soul & MFW Year 3

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Comments

  • lucielle
    lucielle Posts: 11,614 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry about the family member. Sounds like you got some billy bob bargains. 
    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
  • Blackcats
    Blackcats Posts: 4,051 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Sorry to hear about your family member.  Taking good care of you is essential to help you be there for others.

  • Sounds like things might be getting overwhelming soon. Hope you’re doing ok
  • doingitanyway
    doingitanyway Posts: 10,481 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Also sorry to hear about your relative
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks LWAP

    Well I tried my new Am tablet and keyboard and hated it - so will return it. It is so frustrating as it has it's own really poor browser and app store etc. I'm now wishing I'd looked at better tablet or laptop instead. However from a money point of view - I need to take a step back and review. I'll get around £250 back.
    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
  • SandyShores
    SandyShores Posts: 2,005 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    I love my macbook savingholmes.  Its my second one, and I used the 12 months interest free option directly from apple.  But I'm also everything apple like ladywithaplan so I'm slightly biased.  You've reminded me that I do need to get around to selling my old one, as they always seem to keep some resale value.
    "Think of many things, do one"
    Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • jwil
    jwil Posts: 22,599 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I don't like the F tablets, the kids have them because they are good value and the kids offering is good, but I went for the fruity option, so I could link it with my phone.  It's a world of difference, plus I can get the library books on mine and the F tablet doesn't support it.

    Great news about the health markers, that's really positive.
    "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
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    glad to hear you have had some good news items after your last few weeks. your heart health measurements are very important so that's a great boost and hopefully motivational diet wise
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
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