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FIRE Through The Mortgage - MF by 55 - LATEST

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  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    edited 29 September 2015 at 3:34AM
    Oh my good news-my son needed a wee table to do his homework and got one second hand for £20- chair and everything included.

    Also a free single bed from a friend- so actual cost a bottle of wine. So room revamped for £20.

    Other sons room I painted myself too and as I'd usually get someone in to do it I was chuffed with myself.

    Not all bad news but October is gonna have as many NSD as humanly possible!!!

    I also asked my boss for a pay rise. Currently doing a job 2 pay scales above what my job title is. Risk of redundancy looming makes me think this is unlikely but it's worth a try and considering I'm part time and worked 38 hours last week I think it's a fair request!!!! Lol
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Watty1
    Watty1 Posts: 6,846 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hope boss agrees and approves pay rise :)
    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 !!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Great boundaries, with your son and with your boss! Well done :) I hope your boss comes through with that extra money.
    2023: the year I get to buy a car
  • Great job in paiting fire :] once its done you always look back and think ya thats a good job :]

    dont be #heartbreaking hehe

    All lessons in life worth learning come at a price weather its time money or emotions
    MY DS is only 5 and gets a lesson in what he can and cant have and why like well go look at lego hell pick up one £80 then he will sob i never feel bad becouse he has soo much

    so dont feel to bad fire back in the day it was Pokemon cards for me i still got them today to hehe
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    edited 1 October 2015 at 12:47PM
    Doubt I'll have luck with boss because I'm more likely to be made redundant! Worth a try!!!

    Signature updated for this month. Here goes as many NSD as possible this month!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    So today did a weeks food shop for £50.

    Now I definitely won't stop in at any shops this week but what about the hubby!!!!! It's more like a habit than a necessity for him. Let's see if he behaves!!!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    edited 5 October 2015 at 4:42PM
    Filled in another 7 bricks in my excel house because I haven't filled it in for a while. Each brick represents £500 and last time I filled it in was 18/05

    And I've split the house into 2 levels so I know when I reach half way!!!!! I'm so sadly excited by this. Next time I do it, I might split it into quarters!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Awsome fire youll have to try get a pic on here if you can :]

    NSD arnt really my thing i don't count them really just give myself a limit to spend per month and try to come under it :]

    Your doing really well fire
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    edited 9 October 2015 at 8:42PM
    4 NSD this week- can't quite believe I managed it!!!

    I have 8 months to make my target!!! So that's approx 8k and more.....eek to make my minimum target!!!! Oh it's a tall order. I'm really gonna have to pull the reigns in if I'm gonna do it!!!
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
  • Firegirl
    Firegirl Posts: 1,007 Forumite
    Tenth Anniversary 500 Posts Name Dropper
    Can you attach an excel sheet here? I tried but it wouldn't work. I might need to take a photo.
    Mortgage balance Feb 2015 start of MFW Journey-£245316.06/Aim to be mortgage neutral 2022 — Target for May 2024 14 Year Target Balance MF50 = £89,535 — Mortgage Balance £106, 000—Target for May 2024! £89,535

    Retirement Planning
    Starting Position (Jan 2024) : Pension 1-£165,000/Pension 2-£50,000/Pension 3-£9,500/ISA-£87,000/Total-£311,500
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