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Getting FIREd up 😀

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  • South_coast
    South_coast Posts: 5,895 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Humph 🙁 - I thought I was doing well getting £2.40-worth yesterday!
    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!!!
  • edinburgher
    edinburgher Posts: 13,899 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I got £15.57 in the end, but the rest of my day was a nightmare, so I needed a silver lining  :s
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's pretty good going
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • South_coast
    South_coast Posts: 5,895 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I had a pretty horrific Monday as well, hoping for better things today!
    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!!!
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think this heat is getting to all of us. The best bit of my day yesterday was using flexi to finish early!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • South_coast
    South_coast Posts: 5,895 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 12 July 2022 at 11:11PM
    Thought I'd put a little bet on who the next PM will be (don't think it's giving too much away to say I picked someone who has recently resigned 🤣!), but it's doing some anti-fraud check on me that's taking hours
    So the extra security checks were because I signed up to a new bookmaker as they were offering new customers a £20 free bet when they placed a £5 bet. "Excellent" I thought, "I'll have two horses in the race". Except they have now both ruled themselves out of the contest before it's even really begun 🤦‍♀️! So that's a fiver I'll never see again 🤣!
    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: 5,895 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 13 July 2022 at 6:38PM
    Today was a better day!

    The same cannot be said for my finances, however 🤦‍♀️ My week's grocery shopping at the weekend came in at almost what I had budgeted for the rest of the month (and that was after deducting £5-worth of Nectar points. Not really down to price increases - I'd just run out of a lot of things all at once). I've also booked a hotel for the night of our Christmas party as the price had dropped (thought I'd keep a weekly eye on it), but I had to pay by debit card as my credit card will have expired by then, so had to pinch it out of savings. AND I've ordered some new running gear, as Adidas had a massive sale on (which annoyingly seems to be getting delivered one item at a time - I honestly wouldn't mind waiting a couple of extra days for them to collate the items, there's no rush 🤦‍♀️!), so that could cost me a bit too. Current position before I try anything on is
    -£43.47, which includes £5 I received from Vypr earlier. I've requested £10 from Panelbase, but not sure I'll manage to recover the rest 🤔

    However, I'm not going to beat myself up about it this time (no Qmee - unless I get very, very close 🤣!). Locking in lower prices for things I definitely need has got to be worth a bit of short-term pain 👍
    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: 5,895 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    4 pints of milk on 09/07: £1.35
    4 pints of milk on 14/07: £1.45

    😱
    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!!!
  • Merlin's_Beard
    Merlin's_Beard Posts: 1,484 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    4 pints of milk on 09/07: £1.35
    4 pints of milk on 14/07: £1.45

    😱
    I think a lot of basics like that seem to be going up about 10p a month at the minute, utter madness. The bread I bought for 95p a few months ago crept up to £1.05 and it's now £1.15  :'(
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
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