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Powers’s mortgage free thread
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An almost no spend day today, I put in to a charity collection.Really tired today, work still taking over but had a good evening at home with the boys. I’ve fallen straight back into working from home issues- I haven’t left the house since Monday 🤔 must change that tomorrow!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 -
Definitely plan for leaving the house every day even if just to walk around the block. I got to our local park twice this week. It all helps.
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 -
Yesterday was not very money saving! Went to supermarket, I finished off Christmas shopping and T did food and booze shop - £275 all together 😱😱😱 we should only need bread/milk before end of the year and are well stocked with goodies. It’s nice to be in a position not to worry but I still squeaked at the bill.
more money saving was that the refund from the other weeks takeaway finally pinged through. I was expecting to have to chase it. Plan was to OP it but instead used it to offset the big shop slightly.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 -
Ouch to the bill!! Glad you can afford it though.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 -
Friday NSD 7/10 🎄🎄🎄🎄🎄🎄🎄
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 -
Weekend has been very low spend- £2.90 yesterday on posting a Christmas parcel. Today went out with fam, my step mum treated us but I left the tip.A really nice weekend, seen lots of family and been relaxing. We’ve wrapped half of Christmas but the other is strewn on the floor, just having another rest first!Anxious about work tomorrow already 🥺 only 3 more days to go.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 -
Sorry you are feeling anxious. Hopefully it will go well.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 -
Thanks SH, i normally love my job but it’s hard at the moment. Todays successes:Monday NSD 8/19 🎄🎄🎄🎄🎄🎄🎄🎄
quick walk this morning ✅
after work gym class online ✅
booster jab booked for tomorrow
2 more days at work to go and 2 more days til payday!!!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 -
Good news on the booster jab. Well done on the exercise too.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 -
Tuesday NSD 9/10 🎄🎄🎄🎄🎄🎄🎄🎄🎄 nearly there now!!
successes today
lunchtime walk ✅
listened to audiobook ✅
covid boosted ✅
work was really hard- I ended up taking some time out today and my manager covered my meetings. I’m going to talk to her tomorrow about how we can make things work in the new year as it’s not sustainable for me at the moment.Payday tomorrow, I’ve got £35 left in my account so going to tidy it as an OP.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
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