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Getting FIREd up 😀

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Comments

  • Still going to read the article though 🤣!
    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!!!
  • P.S. The Vanguard article was rubbish 🤣!
    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!!!
  • Lovely on the direct debit.

    My emails from van would start off even worse 🤫
    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
  • Well I didn't think I'd done very much, but it added up more than I thought!
    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!!!
  • So this week's money-saving/making actions were:
    * £6.10 received in interest on my savings pots
    * £5.94 received from TopCashBack. Raised a claim for yet another transaction which hasn't tracked
    * £5.44 received from Prolific
    * £10.00 gift card received from Consumer Pulse
    * £5.00 gift card received from the forum about savings I've been involved in. I think this is the last one of these now, as they're shutting it down
    * £5.00 of Nectar points cashed-in at Sainsbury's. The woman on the till was horrified that I wasn't using them for something exciting like wine, however I had been equally horrified that 500ml of (own-brand) olive oil, a loaf of (own-brand) bread and a tub of (you guessed it, own-brand, gravy granules) had come to £5.25 😱 - so it seemed like points well-spent to me!

    In other news, my electricity supplier has confirmed that my direct debit is now set at £0.00, which feels extremely surreal, and is the first time I won't be paying for electricity every month since I left home in 2001. Not sure quite what to say/feel about that, so again I'll just leave it there and not ruminate further here. 

    Enjoy the rest of your Sunday everyone 😀
    Wow, inspiring for us all and you as well no doubt! I am inspired to do my own list (small as it would be in some areas!)
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Payday 🥳🥳🥳!!!
    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!!!
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