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๐ Happy Days in our Golden Years ๐
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Hope all your Christmas events have been going splendidly Fortune! Love the window ๐5
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Merry Xmas Fortune!
Glad things have been going well other than the builder. Great top you made.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 ยฃ202K now ยฃ167.4K Equity 38% 3/4/26
2) ยฃ2.5K Net savings after CCs 14/4/26 (but owed ยฃ1.1K) so ยฃ3.6K
3) Mortgage neutral by 06/30 (AVC ยฃ38.5K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.3K) = 44.4K of ยฃ127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
4) FI Age 60 income target ยฃ17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum ยฃ15.8/30K 52.67%)
5) SIPP ยฃ5.3K updated 17/4/263 -
The best laid plansโฆ
ย Everything was going to plan.ย Christmassing was on schedule, the house was getting cleaner by the day and my contingency time for responding to legal stuff turned out to be a wise move (bully builder has delighted in dumping stuff on us before the holiday ๐ก).
Then, on Saturday, we got a call to say that the Littlest Fortunate was in hospital with pneumonia ๐ฒย Heโs going to be ok but is still very poorly and needs to stay at home.ย So the family wonโt be joining us for Christmas after all ๐ฅย We are heartbroken of course but so grateful that Littlest is recovering and out of danger.
So we are on to Plan Bโฆ which we are making up as we go along ๐
Iโve revised our Christmas Lunch booking to just the two of us.ย We wonโt get a refund on the cancelled spaces and it wouldnโt be fair to ask.ย There were some friends who I thought would join us but one of them has the flu and is also confined to quarters.ย So itโll just be the two of us.
We have a fridge bulging with food so Iโll have to think about what I can freeze and what weโll need to eat up.ย Thereโs a chance the family will be able to join us the weekend after New Year for a belated celebration so anything with a long use by date can be kept until then.
Iโm trying to keep a positive outlook.ย It will be good to have some recuperation and reflection time.ย And I think I might still make it to the Nice List yet ๐
Hope everything is going to plan your end.
Fortune x
https://forums.moneysavingexpert.com/discussion/6623005/happy-days-in-our-golden-years/p1?new=1
Working at Living11 -
So sorry to hear this but so glad Littlest is on the mend. Enjoy your lunch on Christmas Day. ๐ค๐I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.5 -
Sending a big hug across the ether - when words fail, a genuine bit of affection seems to do the trick xxx4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)3
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Oh sorry to hear about Littlest Fortune's hospital trip, it's always a worry when they're so smallย :'("You won't bloom until you're planted" - Graffiti spotted in Newcastle.
Always try to be nice, but never fail to be kind - Doctor Who
Total mortgage overpayments 2017 - 2024 - ยฃ8945.62!4 -
So sorry to hear about the wee one but glad to hear he is recovering.
XI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 ยฃ124616 01/11 ยฃ89873 01/13 ยฃ52546 01/15 ยฃ12133 07/15 ยฃNILNet sales 2024: ยฃ20
2026 Declutter campaign awards 2x star4 -
Thank goodnessย Littlest Fortunate is out of danger and recovering - and here's hoping the postponed celebration can go ahead at a future time, it'll be a heck of a joyous family time ๐
Sorry the bully builder is being a k**b - at any time, never mind on the cusp of Christmas โน๏ธ
Greying XGrocery spend April 2026 ยฃ158.03/ยฃ200
Non-food spend April 2026 ยฃ15.99/ยฃ80
Bulk Fund 2026 Month 4/12 - ยฃ4.48/ยฃ98.02 (reducing balance - start ยฃ120 pa)
""Mother Nature don't draw straight lines
The broken moulds in a grand design
We look a mess but we're doing fine
We're card carrying lifelong members
Of the union of different kinds..."
"Union of the Different kinds" -ย R Christie & T Gilbert,ย Fisherman's Friendsย4 -
Goodness Fortune, big hugs winging their way to you and your family. Very pleased indeed that the littlest Fortunate is home and safe, but what a thing to happen just before Christmas xx3
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Darling @Fortune_Smiles so glad that littlest is on the mend.ย What a fright! As ever, you are adapting with grace.ย Love Humdinger xxย5
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