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Easter 2025 I’m coming to get you!

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Comments

  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the OP.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25

  • Well done on your excellent progress 😊

    MFW
    Opening Mortgage Balance 
    16/06/2024 - £99569.04 term remaining 80 months (Feb 2031) 

    Current Balance £29,600

    MFW 2025 #31 £33,400 / £28,000 OP

    MFIT - T7 £33,400 OP

    0%CC May 2027-  £2,600
    0% Loan £694.68
    Grocery Challenge 
    Jan £387.89 / Feb £ 355.67 / Mar £418.63 / Apr £478.37 / May £426.52 / June £376.18 / July £462.54+£103.32 entertaining / Aug £294.38+83.83 entertaining /Sept £328.93 / Oct £381.10 

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • Jessy103
    Jessy103 Posts: 2,415 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Awesome work, hetty! x
    Mortgage Balance as of September 2025 £11,700
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • greent
    greent Posts: 10,856 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fabulous progress  hetty! 

    Hope half term goes well and doesn't de-rail your funds too much! 
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • CrazyBee787
    CrazyBee787 Posts: 1,279 Forumite
    1,000 Posts Name Dropper Photogenic
    Well done on getting the mortgage down, you are doing really well. Keep it upXX
    Missions: -

    1) Build up an emergency fund (EF) £3100/£3500 By end of 2025!
    2) Pay off Mortgage Starting £58738 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
    3) Improve the number of no spend days.
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