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Watty's Awakening

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Comments

  • maggiem
    maggiem Posts: 1,954 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 3 October 2024 at 8:14PM
    So pleased to read your comment @Watty1; very well deserved. ๐Ÿ‘๐Ÿ‘๐Ÿ‘
  • savingholmes
    savingholmes Posts: 29,034 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 ยฃ172.5K Equity 36.11%
    2) ยฃ1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC ยฃ25.6K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.2K) = 31.4/ยฃ127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 ยฃ4.8K updated 29/7/25
  • beanielou
    beanielou Posts: 95,968 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. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • 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:
    MORTGAGE BALANCE when we moved Aug 2024, ยฃ120,000. January 1st ยฃ118,267.06. May 1st, ยฃ116, 123, June 1st, ยฃ115,536, New mortgage added for extension- ยฃ165,000 July 1st!
    Mortgage Overpayments - September-December, ยฃ152.46. J- ยฃ103.27, F- ยฃ115, M- ยฃ91.50, A- ยฃ100, M- ยฃ200, J- ยฃ200. J- ยฃ200. A-ยฃ200, S- ยฃ200.
    Total- ยฃ1562.23
    Goal pay off 1% of current mortgage in 1 year. ยฃ1650

    EF- first goal ยฃ300
  • Suffolk_lass
    Suffolk_lass Posts: 10,370 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 2025 #2 I am at ยฃ9586.01 out of ยฃ6000 after August (158.45%)
    OS Grocery Challenge in 2025 I am at ยฃ2135.07/ยฃ3000 or 71.17% of my annual spend so far
    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 thread
    My new diary is here
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