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Watty's Awakening

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Comments

  • Great news on the course signs up!
  • savingholmes
    savingholmes Posts: 29,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the dentist visit went well and you feel reassured about what needs to be done. 

    You are gradually making your house more yours. It takes effort and maintenance. I'm good at one off bursts of activity but struggle with the maintenance side of things. Could getting a cleaner help relieve the pressure on you and give you more time for things that earn you more?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £2.4K Net savings after CCs March 26 (but owed £1.1K) so £3.5K
    3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    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 £5.2K updated 16/1/26
  • Cherryfudge
    Cherryfudge Posts: 14,716 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That's brilliant @Watty1!
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • skint_spice
    skint_spice Posts: 13,692 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That’s great news Watty🎉
    Mortgage OP 2026 £500/2000

    Mortgage balance: £32,595

    Make £50 a month Jan £20, Feb £0, March £
    Boiler fund £1625/3000

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