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Prosperous & Creative Soul Year 4

1565759616273

Comments

  • Four_Seasons
    Four_Seasons Posts: 928 Forumite
    Fifth Anniversary 500 Posts
    Yes I have collected most of the basics now, bit by bit, bottled water,  food is mostly tinned so will last for a long time. I have one box with candles plus holders, matches, camping stove, kettle, wind up torch etc., I still need to order my wind up radio/power pack -  thanx for the reminder.
  • savingholmes
    savingholmes Posts: 29,089 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've been sent an octo code. Thanks all

    Just applied for my visa equivalent too.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • SandyShores
    SandyShores Posts: 2,005 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks @savingholmes, I hadn't seen that advice, looks very sensible.  I've got most things, but I'll put  a power bank and bottled water on my shopping list.  And I'll follow the advice to keep important documents handy.  Hopefully we won't need it, but 'expect the best, prepare for the worst' :smiley:
    "Think of many things, do one"
    Mortgage 31Oct'25 est. £207,450 £309,749 2020 (current ends 2038 -aiming for 2031)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • lucielle
    lucielle Posts: 11,611 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your post sounded so much more positive!  Well done on everything you’ve achieved
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • jwil
    jwil Posts: 22,588 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You've been making great progress.  I always keep enough food in to last us a few days, but don't store it separately, just work through it as normal so that it doesn't go out of date.  I'm currently running things down to top it all up again ahead of the winter.  We have power banks, candles, matches etc.  I can't bring myself to store water though, that's where I would fall down!  Though there was a burst main last week which affected some in the road, so it did bring it to my attention again!
    "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 McGee
  • jwil
    jwil Posts: 22,588 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your accommodation costs are being covered.  Also good that work is being reasonable.
    "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 McGee
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