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Giving every £ a job
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Finally caught up and can't believe it's your last day its come round sooooo quick! Happy retirement 🥳🥳🥳*Dad loan - £7000 - £7000
*Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
*Nationwide Loan - £11,000 -£11000.00
*Total Debt - £21623.18/£21623.18*
Savings
*Sinking Fund - £1400/2000
*Emergency Fund - £0/£3000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Congratulations on your last day!My Debt Free journey - started 1 May 2023. Goal date October 2026 ACHIEVED SEPTEMBER 2025
Total Debt paid off: £28006.30
Savings £6621 -
Enjoy your freedom from work!
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So glad you last day went well. Exciting times ahead.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £42.5K + Lump Sums DB £4.6K + (25% of SIPP 1.7K) = 48.8K of £127.5K target 38.3% 24/5/26 (If took bigger lump sum = 71.K or 55.9%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.7K updated 29/5/260 -
Happy first day of the rest of your life! 😃😃
What exciting plans do you have for today? Or are you revelling in having no plans at all??1 -
Oooh, your first day of freedom - I hope that you have a good day. It's a big change no matter how you've prepared so go easy on yourself 😊1
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Freeeeeedommmmm! Here's to your last day & a new life stage.
F x2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!1 -
Hey BC - how's freedom treating you?!🎉 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
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
Thank you all so much for your good wishes - so kind of you all and very much appreciated.
so we are away in Spain enjoying beautiful sunshine, swimming in the sea and tapas - though the tapas isn't at the same time as the swimming. The family dynamics are as expected but we are managing to keep a degree of control over the expectations that we will pay for everything for everyone every day. In fact we are now back in our hotel room listening to music with a cup of tea - what a wild retiree I am 😇
Its a very strange feeling knowing that I won't be going back to work after the holiday - strange in a good way, just realising that I've actually done it.
the holiday is a good way to celebrate and re-energise.
@PennysIntoPounds - the Tiffany necklace is enjoying the holiday too having been lost/forgotten for so long.4 -
Ooh lovely, enjoy the rest of your Spain trip. Glad you're on it with managing family spendy expectations!
Completely imagining the Tiffany necklace enjoying the holiday with its own cocktail on its own sun lounger, eyeing up the other fit jewellery parading past 😂https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty1
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