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Powers’s mortgage free thread

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  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    🥦 for yesterday 
    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


  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Hmph I’ve written a post and just cleared it!
    a good weekend in the pp household- consisting of 🔨 🚲 🐶 🐶 🏃‍♀️ 🍽 
    I’ve done my longest run since 2021- a very slow and muddy 7 miles. 

    Vinted sales are now up to £23.50 which I’m going to have to withdraw as personal spends have become depleted. I’ve also got the dentist on Friday which I’ve failed to budget for. 

    T and I had a money chat on Saturday. We are going to divert £50 from one saving pot to the mortgage. Leaving us with monthly payments of
    £175 mortgage OP
    £50 easy access saver
    £400 online bonus saver. 

    He’s going to find out about increasing pension payments when his April pay rise comes through. Sharing the aim of us both retiring at the same time despite our age difference. 

    Have a good week wannabes xx
    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


  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Meat free Monday 🥦 
    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


  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    £2.15 in prolific today and 🥦 yesterday (actually pizza fakeaway but not meaty so it counts!) 
    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
    Savings, OP and pension getting sorted. All sounds good.
    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
  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Meat free Monday 🥦 and a run in the rain dodging frogs! 🐸 
    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


  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Tuesday was meat free thanks to Ts bean chilli 🌶 
    today I’ve been to a conference so had a very respectable veggie lunch followed by Greg’s bean sausage melt to keep me going 😝. I’ll update something other than food one day, honest 
    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


  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    An active, adventurous weekend in the Peak District. I camped solo but met up with some women from an outdoors meet up group. A nice mix of walking and socialising. I did end up walking a few hours in my own which felt good for my racing mind and made me navigate instead of following others. I walked13 miles in total and I can feel it today! Good adventuring! 
    Spends were campsite £30, cafe £6.25 and pub dinner £17.95. 

    Money this month- I’ve not got too much on so have put £300 in to savings to replenish various pots. I’m also intending to do some clothes shopping as I’m struggling for essentials for no reason other than I don’t buy them! 
    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
    Sounds like you had fun adventuring - making memories. That's what it's about.
    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
  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Monday was meat free 🥦
    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


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