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Watty's Awakening

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Comments

  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good you have two more rooms done and a plan for what should be the priority areas if you wanted to market your home. Speaking as someone who's done it in the last year - there's ever such a lot to do to market your home and declutter if you have anywhere near the amount of stuff I did!

    Good the Fell pony has bonded - hopefully that will start to take some pressure off you.
    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
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I can relate to that everything is all stirred up feeling. Hope you manage to shake it off. Perhaps do something absorbing that moves your attention on - or I find filling my mind with learning a new subject or a listen to fiction book can help.
    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
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