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  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Birthday!!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • NeverendingDMP
    NeverendingDMP Posts: 2,307 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Happy birthday. Glad you've had a lovely break and a nice day. Hope the meal was lovely too
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • dawnybabes
    dawnybabes Posts: 3,447 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy birthday xx 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • teapot2
    teapot2 Posts: 3,565 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Belated Happy Birthday, glad you enjoyed your weekend away and upgrade too 
  • Hope you had a lovely birthday. 
    Debt Free - 4th June 2025
  • Happy belated birthday Jwil, hope you had a lovely meal xx
  • Sun_Addict
    Sun_Addict Posts: 24,238 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy belated birthday 🎂 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Happy belated birthday @jwil
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £235,066.98
    Car Balloon Payment £12,243.60, due Nov 25. Saved £8,772.22, £3,472.38 remaining

    2025 goals:
    23 / 25 books
    5.2 / 24lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • redofromstart
    redofromstart Posts: 5,893 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Happy belated birthday - sounds like a great weekend.
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