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Ninety months to pay off mortgage - or as near as dammit!
Comments
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I think I will wait till next year, more time to save🙏 But she’s not really as she is always willing to give me a go on hers😂beanielou said:Someone is a bad influence
A kayak!Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
Yes still wearing masks while sweating 😅 usually after the first hour max I can feel the sweat running down inside it. It’s dreadful but hopefully it may be slightly different at new job🙏savingholmes said:A kayak sounds cool and refreshing... walking around in scrubs and potentially masks sounds the opposite.
Thanks for what you doI had a very lazy day today although I did sort out my breakdown cover rather than accept renewal.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £201 -
Guess who had to reset her password
and no doubt will forget it very quickly, 
So while I'm here,... congrats on the new job I'm delighted for you, you will be amazing at it, and hopefully not sweat as much and maybe even not have to wear a mask all the time.
Your doing good with the mortgage, I reckon you will be paid off quicker than you think, it's such a fine balance between going on an adventure and saving for retirement but you'll get there I know you will, just dont let people talk you into going swimming or hillwalking and you'll be fine
keep it up mrs am awfy proud of ya2 -
well those smileys didnt look right, and that was me with my glasses on as well
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Waves @elantanAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/262 -
Hey @savingholmes how you doing ? long time no see, was just reading your diary, i see your going for FIRE as wellsavingholmes said:Waves @elantan
well done on the pip
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Thanks I'm doing okay overall - got divorced since I last saw you posting - but happier for it.elantan said:
Hey @savingholmes how you doing ? long time no see, was just reading your diary, i see your going for FIRE as wellsavingholmes said:Waves @elantan
well done on the pip
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/262 -
Sometimes these things have a way of working out for the best even if were not sure at the time, I'm glad your happier for it, and know you will be embracing it xxxsavingholmes said:
Thanks I'm doing okay overall - got divorced since I last saw you posting - but happier for it.elantan said:
Hey @savingholmes how you doing ? long time no see, was just reading your diary, i see your going for FIRE as wellsavingholmes said:Waves @elantan
well done on the pip
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Ooo I love your avatar ElantanMortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £201 -
Mawah ha ha ha ha ha hilarious, have a look at the last post on my new diaryskint_spice said:Ooo I love your avatar Elantan

wheres the laughing rolling smiley when you need it 2
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