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Countdown to Freedom
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Totally loved what @KajiKita said. I had not realised it before but yes, this board is about building dreams. No matter what those dreams are.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!9 -
I love that too.Watty1 said:Totally loved what @KajiKita said. I had not realised it before but yes, this board is about building dreams. No matter what those dreams are.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 29/7/255 -
So lovely to see your back Tilly. Looking forward to reading all about your next chapter. Exciting times ahead x
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Woo hoo, Tilly’s back!! I don’t come on here often these days but just realised she’s back and had to explain to the Mr why I was excited!Tilly, how on Earth are your children old enough to be getting married? That’s crazy! I’m very much looking forward to hearing about your new adventures. Please can you throw in some of Mr Tilly’s lovely meals if he’s still a whizz in the kitchen?4
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HelloGreying_Pilgrim said:Tilly!!! How fabuloso to hear from you. How super that you're back on here (to stay??? Pretty please..... )
What's the temperature in Portugal today? 😁
And will we be getting to hear from Gally too????
Fantastic to "see" you.
Greying X
Weirdly I've been lurking around for a few days and just found this!!!!!!
A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"8 -
Can I have a bigger sink next time pleaseTilly_MFW_in_6_YRS said:
I remember talking with Gally about whether to knock it down, drawing rough plans on paper napkins when we met for lunch or dinner 🤣 We didn't knock it down but there were only 2 internal walls left. New internal walls were built to the design on those paper napkins. What a journey!
A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"7 -
gally!! How grand to "see" you! Are you back to supervise Tilly stay? (pretty please say yes 😁)
Greying XPounds for Panes £7,705/£10,000 - start date Dec 2023
Grocery Spend September 2025 £21.71/£200
Non-food spend September 2025 £0/£50
Bulk Fund September (month 9 of 12) £/£405 -
@gallygirl you are lurking too. How wonderful. You were part of my original journey. Fond love xxMade it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!7 -
Got to love all these familiar "faces"!
Agree about MFW - it's as much about mortgage avoidance as clearance, I reckon!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her8 -
Greying_Pilgrim said:gally!! How grand to "see" you! Are you back to supervise Tilly stay? (pretty please say yes 😁)
Greying X
Someone has to make sure the napkins are interpreted correctly
Hi Watty, I've read all your diary in the past few weeks, what a year of progress you have had!
A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"6
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