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Getting FIREd up 😀
Comments
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Yes it was 🤣!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 -
Payday! (Well, technically in 45 minutes, but the money is there so I'm spending it 🤣!) I've filled up my pots, then emptied them again settling all my various debts to the credit card (been actually using it as a "credit" card lately, which is not how I usually roll 😮!) That leaves me with, er, probably OK on petrol and groceries (although it is a 5-weekend month 🤔), but definitely not enough in personal. I have a plan though! Should be back to breaking even either next payday or the one after 🤞 Would have been in a better position if BF hadn't decided we were going for dinner and drinks last weekend, but life's too short!
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!!!5 -
Good to have a plan! And thanks for the payday reminder! This is Mr Cheery's not mine, so I often forget, but it's me doing the budget shuffling excitement!4
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Always good to review the budget. Well done on clearing down the CCAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/252 -
🤣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!!!7 -
I feel like most people who do surveys are the type of people who would be hot on their budgets ...6
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That’s an interesting point. I wonder if they ever address the skewing of data from their surveys and how it isn’t necessarily indicative of the wider population.killerpeaty said:I feel like most people who do surveys are the type of people who would be hot on their budgets ...
Once I got thrown out of a survey because I wasn’t a CEO or CFO of a business. I can’t imagine those people would be doing surveys!2025 decluttering: 5,229 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 395🥉🥈🥇💎🏆Big kitchen declutter challenge 132/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5006 -
I occasionally do surveys (prolific and Royal Mail postal) and occasionally keep a (very) loose eye on my budget 😁😁I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £203 -
Probably capture small business owners but not the ones they're hoping for!QueenJess said:
That’s an interesting point. I wonder if they ever address the skewing of data from their surveys and how it isn’t necessarily indicative of the wider population.killerpeaty said:I feel like most people who do surveys are the type of people who would be hot on their budgets ...
Once I got thrown out of a survey because I wasn’t a CEO or CFO of a business. I can’t imagine those people would be doing surveys!4 -
Petrol at 163.9p today 😀😀😀
11p more half a mile up the road at Sainsbury's 😮!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
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