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1 brick at a time
Comments
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Great progress!
I'll be glad to get back to having more in person chats, even if they are socially distanced.If it's not adding up, compound it!2 -
Unlurking to just say prolific normally pay out the same day now it's paypal so you don't need to wait till a certain day.2020 Mortgage-Free Wannabes #20 £1495.03/£2760 OP2
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Ahhh thanks Scottishlass that's handy to know, I will request a payout.
Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2 -
I have cashed out of prolific (5.77) and qmee today (6), so will send that to the mortgage. Its a small amount but will all add up and another 6 interest will be saved. Its nice to have something which isn't pay day dependant.
Non money wise homeschooling is still going well and a social distanced catch up with my friend in her garden last night was lovely.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2 -
It is nice seeing some people face-to-faceAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
It sure is SH.
Forgot to say I saw a house today that looked lovely on rightmove and within budget, we went to see the outside but didn't like it so that's good in a way. Still have itchy feet though... Not sure that's a good thing in this climate.
In relation to my survey money target thats:
11.77 put of 45
Which is pretty good for the third of the month.
Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming1 -
I sympathise with the itchy feet. I want to move too but waiting until at least DD finishes 6th form.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
How long is that SH?
Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming1 -
Another year. She has ASD and doesn't cope well with change - plus in an ideal world we want to move to the country so it would be a huge change. We may need to wait longer for her to perhaps do a degree apprenticeship or similar but we'd love to have moved already but at the same time want her to feel supported. Our neighbours got their house valued today which suggests our house should be worth £255-280Kish. but most of the ones I like are more than that - but if they weren't too much more it should be doable. They are all too far from work - which is fine in a lockdown situation but wouldn't be for commuting. I think we'd have to buy any new home while in our current jobs though and then just quietly change later. There's a house up for £289K that I like on RM with acres in Wales but while we could get the finance together with DD it just isn't doable right now.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/253 -
21.23 sent across which is the 5.77 from Prolific and a bit of Tilly Tidy Friday.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming2
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