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Dipping my orange toes into the water..
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Brill progress OT!!MFW 2021 #76 £5,145
MFW 2022 #27 £5,300
MFW 2023 #27 £2,000
MFW 2024 #27 £6,055
MFW 2025 #27 £5,075
MFW 2026 #27 0/£10002 -
Ha ha @savingholmes good point! 😉2
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Thanks @powerspowers still a long way to go but we are giving it are all!2
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Our** all!! Gah!2
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Mse tasks for the day. Check broadband as contracts ending. Decided to stay with BT and saved £2 a month for same package. Vodafone cheaper but bad customer service reviews.
Now on the car insurance. Admiral who I'm with quoted £331. I said this is too much and miraculously I'm offered £59 saving, so it's £272.... Why don't they just offer this straight away??!! Going to stay with them as I've been pleased but honestly!2 -
Great reduction - it all helps... So is that another OP whispering in the wings?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.4K updated 8/5/261 -
Good question! So we received £100 from FIL so that will go straight to mortgage. Been paid so just need to do th budgets and see what we can eek out..2
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Do you allow yourself a fun budget on top?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.4K updated 8/5/261 -
Turkey bargain of the yeqr!
£45 Ald! Finest, reduced 75%, then when scanned reduced by another 75% making it £3!!3 -
Well done on the OP.2017 - mortgage of £140,000 and interest rate of £10 a day
Feb 2021 mortgage of £103000
November 2021 mortgage of £93000
December 2022 mortgage of £79000
December 2023 mortgage of £73000
March 2024 mortgage of £70000
May 2024 mortgage of £68000
October 2024 mortgage of £65000
February 2025 mortgage of £63000
March 2025 mortgage of £45000 and interest of £6.07 per day
November 2025 mortgage of £41000 and interest of £5.62 per day
March 2026 mortgage of £38000 and interest of £5.22 per day2
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