📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Powers’s mortgage free thread

Options
1181921232453

Comments

  • misslolu
    misslolu Posts: 237 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    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 😃
    That's amazing @powerspowers well done!
  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    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 /£5,000


  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope things settle down for you soon
    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 29/7/25
  • 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 x
    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 /£5,000


  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • 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 /£5,000


  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
  • 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 /£5,000


  • 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 /£5,000


  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 29/7/25
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.