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Powers’s mortgage free thread
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powerspowers said:Woohoo I got the job!! So pay rise from next month, a permanent contract (I’ve been on secondment for years) and less of what I don’t like at work and more of what I do 😃
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The 8th was not a NSD- -paid the deposit for work Christmas do, now need to wrestle money out of people. Also bought a small wreath to go on front door £8 - I’ve never had one before as wouldn’t have lasted til Christmas in the old neighbourhood without someone messing with it.Working from home today which is a relief. I’ve found the last few weeks really stressful and am hugely overstimulated with work stuff constantly rattling around my head. I just want to do my own job!MFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,350 /£5,0001 -
Hope things settle down for you soonAchieve 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 29/7/250 -
Spending has been very food oriented the last few days! McDs on Wednesday night £5 and Xmas lunch yesterday £22.I’m away this weekend so I expect more food related spending! We are going out tomorrow night but self catering the rest of the weekend. I paid for the cottage pre-pandemic so not counting that as a spend!Off today, trying to get my brain to slow down a little and relax and definitely not think about work!!! Have a good weekend wannabes xMFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,350 /£5,0000 -
How lovely to have a few nights a way. Have a fun time!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 -
It was lovely thanks S.H! I’ve been feeling rather antisocial the last few months so it helped. Lots of chatting, relaxing and a walk yesterday.Reasonably low spend few days
£4.50 for 2 cushions from charity shop
£22 dinner last night
£25 contribution to food for the weekend.No spends on alcohol as I raided the cupboard, although the combination of different drinks + hot tub did not go too well, whoops 😅
T picked me up early today and we’ve been to his sisters in York, the weather up there was really nice so we went for a cycle followed by venison stew 😋
good weekend 🙂MFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,350 /£5,0001 -
Glad you got to have fun.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 29/7/250 -
More Christmas food/booze spends - £28 last night for work’s Christmas do. I enjoyed myself but felt a bit anxious as I’d organised it and there were a fair few drop outs due to covid but I think most of the people who came enjoyed it.Hopefully can bag a few NSDs this week. It’s been nice being out and about but I’m ready to hibernate again. Can’t wait to have two weeks off for Christmas!MFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,350 /£5,0001 -
Yes NSD 6/10 🎄🎄🎄🎄🎄🎄MFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £2,350 /£5,0001 -
Well done on the NSDs.
Yes I'm looking forward to being able to hibernate.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 29/7/250
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