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Easter 2025 I’m coming to get you!
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It could be worse DH has an electronic drum kit!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252 -
Noooooooooo 😱SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)2
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Now that was the reaction I was going for. He has base and accoustic guitars on top...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252 -
Just made an overpayment of £200 😁SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)5
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Great achievementAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252 -
Happy Friday, yay 😁 Just made my second March OP of £215 so that’s me finished for the month. Let’s see what next month brings with my reduced income 🤞Since my first mortgage payment in December 2015 I have paid off £33,769.97 which I’m amazed and very pleased with; nice numbers to give me motivation. At the moment trying to use up cupboard and freezer stores, not that there is too much, to eek out the grocery budget. We will pop to the greengrocers tomorrow but I do have some frozen veg to use up as well. My seedlings are coming on and the tomatoes are just beginning to show signs of second true leaves. Will have to get some more paper pots made to pot them on into. My final raised bed stuff came yesterday so that is a project for the weekend. Hope everyone is well ❤️SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)5
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Raised beds in the garden sound lovely. I also love watching seeds germinateAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
Spent the weekend in the garden moving strawberry plants round, donating some to my niece and planting some seeds. One part missing from my raised bed stuff so emailed them. One more full week at work then two part weeks over Easter however email received from school yesterday; they have had a positive case. My son’s bubble is not required to self isolate, Public Health England advise the schools on this. Reading between the lines I suspect it is a teacher as we have had no communication from after school club and they are normally pretty quick on the advice front. Fingers crossed no further instances as I’m not quite sure how my boy will take not being allowed past the front door for 10 days 😱SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)3
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Hope he doesn't have to self isolate then. Gardening sounds positive.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252 -
Hello everyone. No further Covid in school so a sigh of relief. Just enjoying my last day of extended leave so back to work and holiday club tomorrow and peace and quiet 🤫. Made an overpayment of £215 so have dropped into the 45s. Once the standard payment and my second op for the month gets factored in I will be under 45.5 🥳. Just squeezed in under my grocery budget last month too, by 45p! I’m trying to build up freezer stores in the first half of the month to use in the second. I’ve got 2 lots of veg curry and a cake in there already and have 2 lots of chilli in the pan to join it. I’ve only got a really small freezer but now I’m making bread (a lot over the holidays!) I no longer keep a loaf in there which frees up some space. I’ve ordered a second shed (4x2ft) so I can put all the gardening stuff in there and then get both our bikes in the existing pent shed. I can’t wait to get the outside tidied up a bit as not that much done over Easter ☹️ I did however put a large picture on the wall which had been waiting for a year (stud walls, so I finally bought a stud detector) and also we now have a loo roll holder up in the bathroom after 5 years 🤣. So proud of that one as I drilled through the tiles without cracking them, oh and I also put new hinges on the cold frame so been a bit of a DIY diva 🔨SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)5
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