julicorn's journey 3 - The House on the Hill

trix-a-belle

Maybe you can take a bit of a mentoring role to those stepping up too

seventh88

Well done for reducing your hours, not an easy decision at all, especially as I can hear you've really weighed up the financial versus the personal/emotional factors. To hear that you're relieved means it's the right next step. All the best going forward, I'm really glad they have valued and supportedy ou with this.

julicorn

julicorn said:

julicorn said:

julicorn said:

julicorn said:

End of November update:

Current figures:

Investment ISAs: £74,454.31

Mortgage: £213,005.57

% towards being mortgage neutral: 35.0%

Total retirement pot: £201,061.05

% of early retirement savings: 21.6%

End of December update:

Current figures:

Investment ISAs: £77,493.45

Mortgage: £212,517.37

% towards being mortgage neutral: 36.5%

Total retirement pot: £205,494.55

% of early retirement savings: 22.1%

End of January update. Also worth noting that the overall goal has increased with inflation to £949,500.00, so the percentage of early retirement savings is based on a different overall target. 

Current figures:

Investment ISAs: £84,246.03

Mortgage: £211,503.04

% towards being mortgage neutral: 39.8%

Total retirement pot: £217,487.16

% of early retirement savings: 22.9%


My book currently stands at around 14,000 words, for what it's worth

Stopping by for an end of Feb update with the figures only for now - struggling with a few things at the moment and trying to work out what I want to do about work mainly, so things might either get shaken up quite dramatically or not, who knows. Will post a proper update when I have the mental bandwidth. 

The stock market has not been doing great this month, let's put it like that, but we made some half decent contributions (to the ISA especially) which have at least made up for the reduction in value. 

Current figures:

Investment ISAs: £86,191.96

Mortgage: £211,010.18

% towards being mortgage neutral: 40.8%

Total retirement pot: £217,309.29

% of early retirement savings: 22.9%

I'll stop by for a more in depth update next few days, but here is one with just the figures. Investments have not been great as we probably all know, and we're officially no longer half-millionaires when it comes to our total net worth - I guess that means we can open another bottle of bubbly as and when we hit that milestone again!

Current figures are as follows:

Current figures:

Investment ISAs: £84,779.86

Mortgage: £210,515.79

% towards being mortgage neutral: 40.3%

Total retirement pot: £211,012.58

% of early retirement savings: 22.2%

My income will be much lower from April so I guess the heady days of the really high investments are over for the moment, although I will try and see what side hustles I can fire up or reignite. 

South_coast

julicorn said:
I guess that means we can open another bottle of bubbly as and when we hit that milestone again!

Ooh, I like your thinking 👍!

julicorn

South_coast said:

julicorn said:
I guess that means we can open another bottle of bubbly as and when we hit that milestone again!

Ooh, I like your thinking 👍!

Silver linings and all, eh? 

On a similar note: I was a bit disappointed earlier today because I didn't manage to buy tickets for Lady Gaga in the presale (you may all laugh, but she's been on Mr julicorn's and my 'I'd really like to see x at some point' list for over a decade, it's just never worked out). It would have been a weekday, so a bit of a faff, but I wanted to go anyway. 

Well, I just noticed they added a 4th London date and it's a Saturday, and I managed to buy 2 of the more affordable tickets! Feeling lucky that we didn't get any at midday, Saturday is way better. It was meant to be!

julicorn

julicorn said:

julicorn said:

julicorn said:

julicorn said:

julicorn said:

End of November update:

Current figures:

Investment ISAs: £74,454.31

Mortgage: £213,005.57

% towards being mortgage neutral: 35.0%

Total retirement pot: £201,061.05

% of early retirement savings: 21.6%

End of December update:

Current figures:

Investment ISAs: £77,493.45

Mortgage: £212,517.37

% towards being mortgage neutral: 36.5%

Total retirement pot: £205,494.55

% of early retirement savings: 22.1%

End of January update. Also worth noting that the overall goal has increased with inflation to £949,500.00, so the percentage of early retirement savings is based on a different overall target. 

Current figures:

Investment ISAs: £84,246.03

Mortgage: £211,503.04

% towards being mortgage neutral: 39.8%

Total retirement pot: £217,487.16

% of early retirement savings: 22.9%


My book currently stands at around 14,000 words, for what it's worth

Stopping by for an end of Feb update with the figures only for now - struggling with a few things at the moment and trying to work out what I want to do about work mainly, so things might either get shaken up quite dramatically or not, who knows. Will post a proper update when I have the mental bandwidth. 

The stock market has not been doing great this month, let's put it like that, but we made some half decent contributions (to the ISA especially) which have at least made up for the reduction in value. 

Current figures:

Investment ISAs: £86,191.96

Mortgage: £211,010.18

% towards being mortgage neutral: 40.8%

Total retirement pot: £217,309.29

% of early retirement savings: 22.9%

I'll stop by for a more in depth update next few days, but here is one with just the figures. Investments have not been great as we probably all know, and we're officially no longer half-millionaires when it comes to our total net worth - I guess that means we can open another bottle of bubbly as and when we hit that milestone again!

Current figures are as follows:

Current figures:

Investment ISAs: £84,779.86

Mortgage: £210,515.79

% towards being mortgage neutral: 40.3%

Total retirement pot: £211,012.58

% of early retirement savings: 22.2%

My income will be much lower from April so I guess the heady days of the really high investments are over for the moment, although I will try and see what side hustles I can fire up or reignite. 

Stopping by for an end-of-April update! The stock market has further declined, so even with additional contributions it's been a step backwards rather than forwards. The part time work is going well so far though, so that's definitely a massive positive!

Current figures:

Investment ISAs: £83,417.55

Mortgage: £210,019.87

% towards being mortgage neutral: 39.7%

Total retirement pot: £205,050.93

% of early retirement savings: 21.7%

LadyWithAPlan

Great you enjoying the scaled back work and to getting Gaga tickets

julicorn

LadyWithAPlan said:

Great you enjoying the scaled back work and to getting Gaga tickets

I'm honestly so excited about the latter - watched her Rio concert (with 2.1 million people attending!) on the weekend, it was spectacular. Mr julicorn and I are already planning what we're going to wear   

julicorn

My parents are coming over on Thursday, and then we're heading up to the Peak District and Liverpool on the weekend / next week. I've not been to either, so if anyone has any recommendations then please shout We'll be staying in Hope (and then in Liverpool of course), so in the Hope Valley. 

powerspowers

Oh have a lovely time!
Hope is gorgeous but definitely the busiest part of the peaks. If you are walking I’d recommend Win Hill over Mam Tor, same views but can be done from Hope without dealing with traffic chaos at Mam Tor. You can walk along the ridge to get to Castleton or Edale (train back to Hope). The broken road at Mam Tor is interesting, I likeCave Dale (especially if you watched the Princess Bride). I’ve spent days walking around LadyBowrer and there’s also bike hire. Allport castles or Back Tor are good longer walks (10 mile+) and not as busy as Kinder. 

Some of the caves are good, I’d probably recommend Treacliff. The Devils !!!!!! cave is an absolute rip off. 

Have fun x