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Prosperous & Creative Soul Year 4
Comments
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Deepest sympathy SH, for you and yours!!
Look after yourself - and don't even think of moving your holiday - it all takes so long these days a few days either side won't matter a jot.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine2 -
Sorry for your loss SH xMortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
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So sorry for your loss. Hope the holiday gives you the peace to grieve xx"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2
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So sorry for your loss, SH. All the best to you and your family xMortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!2 -
Sorry to hear your sad news SH , condolences to you all x1
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Sorry for your loss. I hope your holiday helps in some wayIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720251 -
I'm sorry for your loss SH, take care of yourself1
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Sorry for your loss1
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Thanks all much appreciated.
Just doing final prep for holiday. Hopefully will go and see my Mum and sister tomorrow before I fly off. The funeral is to take place the day after I return.
I feel totally exhausted but otherwise okay. I'm currently fighting all the petty annoyances... Two of my car tyres deflated significantly. Hoping it was resolved by pumping the car tyres back up - but I'll know tomorrow morning probably. I did try a garage but got nowhere. They suggested I just check them again tomorrow... I've emptied my over-stuffed car - and am currently working through my stuff - and trying to make sure that I can take what I need on holiday with me.
I have a pet sitter which is a relief. I still need to sort the pet vet costs...
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
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 29/7/256
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