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)
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Getting FIREd up 😀
Comments
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So my Mum scoffed at me recently when I explained how I had opened additional savings accounts and moved my money across into them now that the rates are starting to inch up, but today I have received £7 in interest! For doing nothing!!! (Well, for spending 15 minutes doing it and holding a bit of cash at the moment, but that feels like nothing compared to other things I do for a lot less reward 🤣!)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 -
That's brill - it all helps.
My parents swoosh money around each month - and that pays their mortgage.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 29/7/252 -
Further proof yesterday that Lidl is not just for the skint - there was an Aston Martin in the car park 😀😀😀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 -
South_coast said:Further proof yesterday that Lidl is not just for the skint - there was an Aston Martin in the car park 😀😀😀6
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This time next year, Rodney....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 -
South_coast said:I chucked out last month's receipts just now and saw that on 16/05 it was 161.9p - that's a big jump in a month 😮!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 -
I'm so late to the party!!! A whole new diary! Its already 76 pages in! I loved reading the summary - you've done so much in the last few years. I'm so pleased you're enjoying the new role - good colleagues make all the difference.
£7 is a good amount of interest! Its quite exciting for savers now the interest rates are slowly rising.3 -
Yes, but most of it is waffle about petrol prices, so you've not missed much 🤣!
Good to have you back 😀 xMortgage 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 -
Super choppy sea this morning - got splashed by waves a couple of times on my run, despite the path I was on being at least 10-12 feet above the level of the sea 😮! No idea why, as it's a lovely day out there 🤷♀️ Never mind, it was a bit exhilarating I guess - although the wet feet less so 🙄! Gets me ready for the winter though, when I'll be squelching my way round on wet days!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 -
So another month is over and we're now 2/3 of the way through 2022....😮South_coast said:Money....
* Rustle up £1000 in "extra" money by 31/12/2023 - £10.24 in the pot so far 😀
2022, the year of happiness....
* Get out and explore somewhere new once a month - Er, I went to a new fish and chip shop 🤔🤣?
* Try out a new recipe once a month - Yes!
I think that's May and June caught up with now (or June and July, as I did two in April). The first one tasted OK, but was very boring, so not a keeper. The second one tasted good, but would need a few tweaks. Did wake up 3lb heavier after eating it though, so maybe not one to repeat too often 😱!
* Try to be more upbeat and positive - Hmmm, OK I think. I re-read this diary the other week and was struck by how perky it was, so I seem to be managing it online at least 🤣!
* Try and have a couple of little trips away, one UK, one Europe - UK trip taken. And I do now have a passport again, so international travel is at least a possibility!
Sundry....
* Write a will - Nothing more on this yet, it's a bit dependent on someone else at the moment
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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