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Getting FIREd up 😀

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  • kaycastle
    kaycastle Posts: 419 Forumite
    Seventh Anniversary 100 Posts Name Dropper Photogenic
    Glad to read you're doing well - amazing work on all the charity donations! :) 

    Pastries are definitely challenging - which new recipe you trying next?
    Mortgage start: April 2024 - 295k  Current £256k
    Emergency fund: 13.5k/15k 
    Current mortgage free year: 2054 2039
    Mortgage free diary: Snug & Sorted: Our Race to Mortgage Freedom
    The little joy list
    Books read: 41 (2024) | 12 (2025)

  • South_coast
    South_coast Posts: 5,886 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks, Ruby 😀

    Hi kaycastle, I've been wondering how you were getting on! No idea for this month's recipe, haven't thought that far ahead yet!
    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!!!
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I think that keeping up with the doctors is an every year goal.

    Seems like you've done really well for a February!
  • South_coast
    South_coast Posts: 5,886 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks KP 😀

    Right, it's time....

    First of the month round-up....

    Movement during February 2022: +£2794.07
    Money needed as at 1 March 2022: £269,449.68

    This is not the good result that the headline figure would make it seem!!! So, 63% of this month's pay has gone into the pot, along with the usual pension contribution, along with about £160 in dribs and drabs during the course of February, plus I have spent £1500 of the refurb budget (thus reducing the "needed" figure); yet the pensions and ISA continue to drop in value so they're all worth less and the increase is less than it should have been. Never mind, we march on!
    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!!!
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I have missed it but am terrible so I am not going to read back. What was the refurb expenditure?
  • South_coast
    South_coast Posts: 5,886 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    You haven't missed it KP, I haven't mentioned it (been wittering about it too much in real life 🤣)! Suffice to say it was something which was needed and necessary, but not at all exciting!
    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!!!
  • South_coast
    South_coast Posts: 5,886 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 5 March 2022 at 10:30AM
    Have paid the balance off the credit card from the LISA savings so I'm not stressing about that. Now just trying to work out how I can find £2195 by 06/04.
    Answer: I can't 🤣!
    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!!!
  • greent
    greent Posts: 10,783 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Saw this on my app the other day - Mr T doesn't do the same info as Mr S - but it wasn't a surprise in this house that our biggest volume purchase was semi skimmed milk 😄
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
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