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๐ŸŒž Happy Days in our Golden Years ๐ŸŒž

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Comments

  • savingholmes
    savingholmes Posts: 29,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 ยฃ171.3K Equity 36.55%
    2) ยฃ2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC ยฃ30.9K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.25K) = 35.5/ยฃ127.5K target 27.8% 14/11/25
    (If took bigger lump sum = 62K or 48.6%)
    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 ยฃ5.1K updated 14/11/25
  • rtandon27
    rtandon27 Posts: 6,303 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Sending a big hug across the ether - when words fail, a genuine bit of affection seems to do the trick xxx
    4 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)
  • 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!
  • greent
    greent Posts: 10,935 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So sorry to hear about the wee one but glad to hear he is recovering.

    X
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 ยฃ124616 01/11 ยฃ89873 01/13 ยฃ52546 01/15 ยฃ12133 07/15 ยฃNIL
    Net sales 2024: ยฃ20
  • 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 ๐Ÿ˜

    Sorry the bully builder is being a k**b - at any time, never mind on the cusp of Christmas โ˜น๏ธ

    Greying X
    Grocery Spend January 2026 ยฃ57.91/ยฃ300
    Non-food spend January 2026 ยฃ0.85p/ยฃ80
    Bulk Fund 2026 Month 1/12 - ยฃ0/ยฃ120
  • Cheery_Daff
    Cheery_Daff Posts: 18,019 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 xx
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