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10 years to clear £334K - our FIRE journey

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  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Feel like there is light at the end of the tunnel at work. Interviewed and offered on my old role yesterday - a former colleague who really impressed my boss and was head and shoulders above the other candidates.  Best thing is she is only on 8 weeks notice so can start early in the new year.  One of the other candidates would be a good fit for the other role to replace my colleague who died.  So I need to get the ball rolling on that but by early next year I could have a really good management team in place.

    Also my boss agreed to trial a 9 day fortnight from beginning of next month so looking forward to that and hoping it will help my work/life balance. I had hoped OH could do the same but in his current project it is unlikely at this time.

    A few small OPs gone on.

    Hopefully will get closer to debt neutral next month but we do have the front door and two windows being done some time soon which will need to be paid so I doubt we'll be debt neutral before early in the new year. 
  • KajiKita
    KajiKita Posts: 7,724 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    This is all really good news and I am so pleased to hear that your front door will be done soon - that was sounding like a total heat sink! Well done with the OPs 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Last weekend we (by which I mean OH) wired in the electric floor heating which was installed when the kitchen floor was laid. We run it on Octopod cheap rate 7p for six hours and it's great so far. Worked out it will cost us £25 a month when using it so not too bad as we don't have any other heating on. It's keeping the kitchen at. Very comfortable 18° which is perfect for us and it's lovely to have the stone floor warmed.

    Also just got a bonus hour at cheap rate as car is charging so got a load in the washing machine and an extra hour of heated floor 🙂
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    My olio collection this week included 60L of skimmed milk, the majority of which was not requested (I get requests for semi skimmed and whole but skimmed is not popular) and in my freezer which is now full.  Need to think up ways to use it as I can't fit things I'd like to in there right now! Unfortunately I've still got 12 pints in the fridge! So any ideas for using up skimmed milk welcome...
  • greenbee
    greenbee Posts: 17,808 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You could try making cheese… 
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Ooh yes, cottage cheese looks easy! 
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Pay day today.  Opened new ISA and started transfer in process.  0.45% higher than old ISA plus will move some from instant access savings which will be 0.95% increase.  Opened regular saver with joint account and will put £200 a month in.

    Unions have agreed pay award but, as we currently have no Chief Exec, there is no word from my employer about whether we will get it and have it back-dated to April.  Would be unusual if we didn't but times are hard so anything is possible.  If it does get agreed, payroll cut off is three days after Interim CEO will be announced so doubt it will go through in November, assuming it will be December now. 

    Putting together boxes for MM, Z1ffit and WBB - almost ready to send all three so that will be another £15+ in OPs.  Been a slow couple of months but it's still ticking over and every little helps.  My next goal is to get to £1,580 in OP which is our monthly payment so I will have paid one month extra in free money.

    Hopefully after money is shuffled tomorrow our debt will be down to around £2k although we will need to pay for the front door and utility windows if the company ever gets round to sorting out the order!  Still waiting for an updated quote for replacement inner windowsills and a small change to one of the windows.  Chased yesterday (almost two weeks after they measured up!) and should get an update on Monday.
  • South_coast
    South_coast Posts: 5,885 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    What is it with everything being slow at the moment? I've contacted at least 5 companies about various things lately (not even all related, so can't say it's one sector) and not heard back from any 🙄 Good luck with getting yours sorted!
    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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