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Getting FIREd up 😀
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Totally agree with this!Staffordia said:If I was in charge, there would be nothing displayed until mid DecemberMortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway4 -
It gets worse.... Took my Mum to some charity shops today - not only did a couple have Christmas stuff out, but one actually had a tree up in the window 🤦♀️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 -
😱😱😱South_coast said:It gets worse.... Took my Mum to some charity shops today - not only did a couple have Christmas stuff out, but one actually had a tree up in the window 🤦♀️
This has now got me thinking 'Do I need to start Christmas shopping? If I don't will everything have already sold out?!' 🤣Mortgage 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!3 -
First of the month round-up….
3x extra £50s this month, coming from surveys, interest and receipt scanning
Had an email to say the interest rate on my LISA is decreasing to 3.3%. Looks like I might be able to get more by shopping around, but not sure I have the headspace for the aggro 🤔
Both of my non-fixed ISAs have also reduced and are now 4.84% and 4.92% (the latter being my niece's savings, but still annoying). It looks like I can re-fix the two fixed ones (currently in Santander at 4.25%) at a higher rate when they expire in October and January, but there's no withdrawals allowed for the term once it's fixed, and I can't be sure I won't need the money in that time 🤔
Did NOT manage to stay solvent, and had “debts to self” on payday of £111.25. The main culprit was petrol (lots of days out), but buying too much alcohol probably didn't help 🙁🤦♀️ I had money in the extra £50s fund that I could have used (I actually tipped over £50 three days before payday), but I didn't want one month of overspending to detract me from my goals and decided to cut back instead (though not going too well on that so far 😬)
Daily interest on cash: £7.46
Owed on 0% credit: £48,549.23
0% neutral fund: £15,617.46 (32%)
11.02 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!!!4 -
Sainsbury's had bakery mince pies out yesterday 😳 I love a mince pie but it's only just SEPTEMBER, kids aren't even back at school yet and you're already baking mince pies!Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20173
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The Easter eggs will be here before we know it....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!!!2 -
(Saying that though, I could just eat an Easter egg right now 🤣)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 -
...me too 🤣South_coast said:(Saying that though, I could just eat an Easter egg right now 🤣)Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20173 -
Xmas ?! and a CS tree up is insane and probably bad luck
Also MSE-ers put the Easter eggs down.
Its always a balance having social fun vs saving for the future as they are both important.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 -
Just seen a tree through someone's front window while on a run through BF's village. I am beyond being shocked now....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!!!2
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