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£70k - 2 years and counting - NOW PAID 08/04/22!!!!!
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Just caught up to find your MFW journey almost done. Congratulations on putting yourselves in that position.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 29/7/251 -
savingholmes said:Just caught up to find your MFW journey almost done. Congratulations on putting yourselves in that position.Dec 2010=£160k.
Mortgage free date 9th Apr 22 😎
E fund - £10,005/£20,0000 -
MrsLovely said:savingholmes said:Just caught up to find your MFW journey almost done. Congratulations on putting yourselves in that position.2
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So exciting. Well done!2017 - mortgage of £140,000 and interest rate of £10 a day
Feb 2021 mortgage of £103000
May 2021 mortgage of £100000
July 2021 mortgage of £97000
November 2021 mortgage of £93000
July 2022 mortgage of £84000
December 2022 mortgage of £79000
December 2023 mortgage of £73000
March 2024 mortgage of £70000
May 2024 mortgage of £68000
October 2024 mortgage of £65000
February 2025 mortgage of £63000
March 2025 mortgage of £45000 and interest of £6.07 per day2 -
L9XSS said:MrsLovely said:savingholmes said:Just caught up to find your MFW journey almost done. Congratulations on putting yourselves in that position.Dec 2010=£160k.
Mortgage free date 9th Apr 22 😎
E fund - £10,005/£20,0004 -
Only one more payment to go!4
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Well....lots of change to report on! Firstly, we will be mortgage free on 9th April. Just waiting for the last £11k to go. Just waiting for the cash to drop into my account. That money will be coming from my final pay at work! Yep, my current role comes to a early end. Long story which i won't go into on here, but let's just say that a) my 60-70 hour weeks are thankfully over, b) my part time working may start sooner than I think and c) never quite realised how awful my employer was. I'll leave that there!!
Why is it all ok and I am not stressed......because technically I am MF !!!!!!!! Had we have had a mortgage I am not sure how I would have been.
In my next post a) I should know by then which of the 3 job offers I'll take, and b) my mortgage will be done.
Until then .......
Mrs Lovely xDec 2010=£160k.
Mortgage free date 9th Apr 22 😎
E fund - £10,005/£20,0007 -
How 'lovely' - congratulations, really pleased for you.
Glad you are getting away from a toxic work place, working with an awful set of people set me on the path of being a MFW.
MFW - 01.10.21 £63761 01.10.22 £50962 01.10.23 £39979 01.10.24 £27815. 01.01.25. £17538
01.03.25 £14794. 01.04.25 £12888
01.05.25. £11805. 12.05.25 £9997 05.06.25 £8898.
01.07.25. £7975 01.08.25 £6968 01.09.25 £5956.2 -
jennystarpepper said:How 'lovely' - congratulations, really pleased for you.
Glad you are getting away from a toxic work place, working with an awful set of people set me on the path of being a MFW.Dec 2010=£160k.
Mortgage free date 9th Apr 22 😎
E fund - £10,005/£20,0002 -
Congratulations xx2025 Decluttering 10472⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️2
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