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Ninety months to pay off mortgage - or as near as dammit!
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Thanks for posting, I have changed roles so no more uniforms for me. I am glad you enjoyed my photos, I love living here and lockdown made me realise how lucky I am.StrugglingYouth said:You sound like you work in healthcare/scrubs. I am sure you are, but please make sure you get some tax relief for having to wash your uniforms at home? Mine works out to about 12gpb a month.
I have absolutely the same feelings about wallpaper.
Enjoyed the photos of Scotland! Beautiful place. I have a kayak but live about 500 miles from Scotland, bit of a trek. Il stick to sea kayaking down here.
Keep up the progress, look back to where you started and you will see how far you have come.
Mortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
When's your next little trip out? I looked up going somewhere specific in Scotland earlier in the week - but the journey was even longer than I remembered so not likely to happen any time soon but your pictures make me want to go.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
Go for it Saving! Nothing arranged as yet, we need to do the checking of rotas for next month…Mortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Just watching Ben Fogle and dreaming about moving to the middle of no where...Mortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Inspired by @elantan I did my shopping at mr a today and remembered to use my discount card and put savings in to my fun savings pot - only £4 but always something! Also bought my petrol there as it’s cheapest in town😎Mortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Good money saving.
I would need to go for a week and do the journey in stages to be worth the trip. I also haven't done such a long journey as a single person yet ...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251 -
An exciting trip for you then Savings!Mortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
Wonderful news about Miss L, she is an amazing wee soul Mr El loves her as well ... she put him in the mood for another wee one.
It's a great idea about Asna ain't it? a wee £4 towards a mate date, it does mount up quite quick as well.
Have my rota now till nearly end October, guess who has more nights ... sigh
The pain today got so bad someone had to step in and take over for the shift for me in the heavy ppe dept at work, I couldnt do anymore 40 hours wearing that stuff crippled me, couldnt do the 12.5 hours today.
Think I'm gonna have to once again have a word with the boss2 -
Sorry you have more nights El, it’s rubbish - hope you can get it sorted.
It’s another busy Friday night here, only another nine hours to stay awake😩Mortgage OP 2025 £7500/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,465
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
I feel for you both with the long shifts. I wouldn't be able to do them.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251
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