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Getting FIREd up 😀
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That's great news!! xMortgage Balance as of July 2025 £14,900.
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!2 -
Thanks both! PIP, it will be going into the black hole which is the refurb pot....Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
All black holes have an event horizon 😂3
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How great!! woohoo!DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest3 -
Of course the £3.01 I've managed to earn in cashback so far is making all the difference....🤣PennysIntoPounds said:All black holes have an event horizon 😂Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
....And the cheque has arrived 🥳🥳🥳Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
First of the month round-up….
12x extra £50s this month, coming from surveys, some tilly tidies, TopCashBack, interest, We Buy Books, receipt scanning, Ziffit, Vypr and the surprise NI rebate. Used them towards the 0% neutral fund/black hole
Managed to not only stay solvent, but have most of a tank of petrol AND money left over on payday (probably wildly miscalculated somewhere 😅). Put the leftover money in the extra £50s pot
Spotted that ZipZero cashout requests totalling £17.81 and dating back to March haven't been paid. They came back to me to say that they were working through a backlog (that's a big backlog 😳!) The March and April ones have now been released, still waiting on May and June though
Learned that empty wine boxes (not mine, from the supermarket 😅) are the absolutely perfect size for sending books off to We Buy Books and Ziffit - and storing A4 paper 👍
Opened absolutely the last new 0% purchases card (available 0% credit now £52k 😳). Definitely feel confident (or at least very hopeful!) I have the refurb costs covered now (in addition to the everyday stoozing I have been doing), and will jiggle them on to new offers as and when the time comes
Daily interest on cash: £7.27
Owed on 0% credit: £43,848.81 😬
0% neutral fund (including refurb savings): £15,814.77 (36.1%)
10.90 years to go….
Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
Sorry, 12x £50 this month? You are smashing it! 👏4
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That’s amazing !!PennysIntoPounds said:Sorry, 12x £50 this month? You are smashing it! 👏Can we get some more advice on how to accumulate such mfw goodnessDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest3 -
LOL, you're forgetting I had a nearly £400 NI rebate. Add in £70ish of interest and it's not nearly so impressive 🤣!Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3
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