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So close, we can smell mortgage freedom!

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    With FB I've had a free bike, bar stool, easy chair and cube unit... I've also paid for stuff. Definitely worth persevering.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • themadvix
    themadvix Posts: 8,782 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Cheery, because I’m self employed and don’t get the £1000 ‘digital earnings’ allowance or whatever it’s called, I have to draw up an invoice for prolific as it goes through my accounts - way too much faff to be doing for every fiver, especially as I don’t see the full amount in the end due to tax/NI…. It makes it all very boring unfortunately - I’d much rather withdraw and have more cash to play with throughout the month!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Cheery_Daff
    Cheery_Daff Posts: 17,194 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ah, yes I can see that would be annoying! Also annoying that you don't get the allowance!
  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you have some work. Hope it picks up in September.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • themadvix
    themadvix Posts: 8,782 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Thanks @savingholmes, it definitely will - September is always a busy month as one of my main biannual projects comes in thick and fast then. And I expect other things will too as everyone settles back down to work. And I'm cat sitting! And we've got builders in, and there'll be allotment stuff to deal with... September is going to be fun! (Just need sleep first!)
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ouch to the exploding beer. Not what you want on your nice stuff. Can't abide the smell or the stickiness.

    Hope you have a good weekend. Good you got the invoice in.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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