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Getting FIREd up ๐
Comments
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Well done ๐๐ป
3 -
Congratulations ๐
Fashion on a ration 2025ย 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
Oneย income, home educating familyย3 -
Excellent ๐!
Going on sabbatical August 31st 2026.3 -
Thanks all ๐๐๐!
I now have a massive black hole in my spreadsheet (will be sorted by the end of the year), but ยฃ2,411.97 interest saved ๐
Mortgage start: ยฃ65,495 (March 2016)
Cleared ๐งโโ๏ธ๐งโโ๏ธ๐งโโ๏ธ!!! In 5 years, 1 month andย 29 days
Total amount repaid: ยฃ72,307.03. ยฃ1.10 repaid for every ยฃ1.00 borrowed
Finally earning interest instead of paying it!!!7 -
When you think how long you'd have to work to earn (after tax & NI) that ยฃ2,411.97, you've definitely made the right decision!
3 -
Not sure I even want to work that out ๐ฑ!
Email from the manufacturer at 6.34pm: "South_coast, unlock our latest finance offer"....coincidence??? ๐คฃ
Mortgage start: ยฃ65,495 (March 2016)
Cleared ๐งโโ๏ธ๐งโโ๏ธ๐งโโ๏ธ!!! In 5 years, 1 month andย 29 days
Total amount repaid: ยฃ72,307.03. ยฃ1.10 repaid for every ยฃ1.00 borrowed
Finally earning interest instead of paying it!!!4 -
I have been re-reading my old diary over the last couple of weeks (just finished!) Some observations:
- I was moaning in April 2020 that Pension 1 had dropped from ยฃ20k to ยฃ19k. Yes, the one that was worth ยฃ35k six years later ๐ฑ
- I reinstated my pension contributions to the max employer match 8 days before I was told I was being made redundant. This unwittingly shrewd move meant an increase of hundreds of pounds to my pay in lieu of notice and ultimately hastened along the end of the mortgage
- My grocery budget in 2020 was ยฃ100/month. It is now ยฃ25/week. So I'm not doing too badly on the food inflation front!
- I declared in January 2021 that I was giving up One Poll. I lasted about 2 weeks before going backโฆ.and I'm still doing it now ๐คฃ
- Last time I transferred an S&S ISA to Vanguard, it took 15 weeks. Hopefully not the same this time, as the Moneybox one is currently on the move now that I'm not earning any new interest to invest. There's ยฃ740 in there (ยฃ50 of which is investment growth) - not too shabby for free money!
Mortgage start: ยฃ65,495 (March 2016)
Cleared ๐งโโ๏ธ๐งโโ๏ธ๐งโโ๏ธ!!! In 5 years, 1 month andย 29 days
Total amount repaid: ยฃ72,307.03. ยฃ1.10 repaid for every ยฃ1.00 borrowed
Finally earning interest instead of paying it!!!5 -
Oh, and I didn't have any spreadsheets then - whereas now I have loads ๐ !
Mortgage start: ยฃ65,495 (March 2016)
Cleared ๐งโโ๏ธ๐งโโ๏ธ๐งโโ๏ธ!!! In 5 years, 1 month andย 29 days
Total amount repaid: ยฃ72,307.03. ยฃ1.10 repaid for every ยฃ1.00 borrowed
Finally earning interest instead of paying it!!!4 -
well done on the car!
Start mortgage date: August 2022; Start mortgage amount: ยฃ240,999; Original mortgage free date: August 2056
Current mortgage amount: ยฃ224,460.73
Start student loan 2012: ยฃ29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +13 -
No spreadsheets, how did you cope? ๐
Fashion on a ration 2025ย 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
Oneย income, home educating familyย4
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