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Living Large, on a Small Income, by the Sea.

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Comments

  • Great to see you posting again, you were missed
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • savingholmes
    savingholmes Posts: 29,130 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Welcome back. Hope you get the iron sorted soon. Being low iron is not fun at all. 

    Merry Christmas and Happy New Year if I don't catch you again before.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.3K Equity 36.55%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £30.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 35.5/£127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 £5.1K updated 14/11/25
  • doingitanyway
    doingitanyway Posts: 10,578 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Welcome back. Hope you get the iron sorted soon. Being low iron is not fun at all. 

    Merry Christmas and Happy New Year if I don't catch you again before.
    Thank you  :) Happy Christmas to you too!
    If 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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • PennysIntoPounds
    PennysIntoPounds Posts: 5,501 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Hurrah for nabbing the bookshelf, sounds like just the job, and nice to have it to look forward to 
  • Sun_Addict
    Sun_Addict Posts: 24,799 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good that you got the bookcase. I know you’ve hesitated before and the item was gone when you went back to get it. Sometimes you just have to go for it. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • jwil
    jwil Posts: 22,838 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Welcome back!  Glad to 'see' you 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
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