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Watty's Awakening

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Comments

  • maggiem
    maggiem Posts: 2,027 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 3 October 2024 at 7:14PM
    So pleased to read your comment @Watty1; very well deserved. ๐Ÿ‘๐Ÿ‘๐Ÿ‘
  • savingholmes
    savingholmes Posts: 29,138 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you are believing in yourself more as well as receiving positive external validation.ย 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 ยฃ202K now ยฃ169.8K Equity 37.1%
    2) ยฃ2.4K Net savings after CCs March 26 (but owed ยฃ1.1K) so ยฃ3.5K
    3) Mortgage neutral by 06/30 (AVC ยฃ36.2K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.3K) = 42.1ยฃ127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
    4) FI Age 60 income target ยฃ17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum ยฃ15.8/30K 52.67%)
    5) SIPP ยฃ5.2K updated 16/1/26
  • beanielou
    beanielou Posts: 98,520 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So glad you had a good day.ย 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 20 months left.
  • Intrigued by the sound of a breakfast coffee smoothieย 
  • Loving the positivity in your updates Watty :smiley: from black cabs to course sales exceeding expectations! Congrats on all of it :smiley:
    Emergency Fund goal - ยฃ717.77/2000
    Weight loss goal 1 - 1/7 lbย 
    Mortgage OP goal 2026 - ยฃ800/ยฃ4500ย 
    Read 24 books this year 6/24
    No Spend March- 3/31
  • Suffolk_lass
    Suffolk_lass Posts: 10,961 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh wow, back from holidays and catching up, one diary at a time. Who are you, and what have you done with Watty1? So positive. What an uplifting Sunday morning read - well done you!
    Save ยฃ12k in 2026 #2 I have banked ยฃ2870.61 so far, against a ยฃ10k target The 2026 Save ยฃ12k in 2026 thread is here
    OS Grocery Challenge in 2026 I am sticking with a ยฃ3000 annual budget for 2026 - currently ยฃ568.34 and most of my March purchasing made
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the grow your own in 2026 discussion thread
    My keep within our budget diary is here
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