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10 years to clear £334K - our FIRE journey
Comments
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Thats brilliant! All that free money focus is definitely paying offCCW007 said:Oh yes and my Amount to Mortgage Neutral / What I Owe The World is under £300k even before the mortgage payment goes out tomorrow! That feels like a big milestone.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#latest3 -
Ziffit parcel collected today, could be up to £14. Few items listed on Vinted including a dress for £25. Forgot to check interest in savings account at start of month and there was £46 to add to spreadsheet. Cash ISA making £6 a day. Little by little.4
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All sounding good 😊
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,270 Interest saved £5,816 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 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.2 -
£2 Vinted sale to start me off and 6 x 1L soya milk on Olio last night which was not requested. Although not vegan, I use soya milk in my tea (and always use vegan milk overnight oats when I do them) so that's very welcome.
Miserable day here today as I am sure it is everywhere. Heating has so far stayed on this morning and has only just clicked off. Will see if we need to put it on again (cats vote for yes!). We have an app for the heating but also a little gadget which can also control it. We have found on occasion the gadget has been turned up to 29° and suspect feline intervention!
Would love an all day fire but there is no wood in the house and I'm not sure I can brave outside to bring more in just yet!
Casserole for dinner, just need to get it in the slow cooker, it's definitely casserole weather.2 -
Need to change the bed, but how can I disturb them? Job for later then. Two hours free electric tomorrow morning so sheets can be washed tonight and go in tumble dryer tomorrow.
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Omg they are gorgeous my two brothers don’t like each other so that cuddle never happens.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest1 -
Awwww … so sweet … 😊
I suspect that the bed will be vacated when tea is required - then you will be able to change the bed! 😉😂
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,270 Interest saved £5,816 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 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.2 -
Little man (not so.little any more!) helped with making the bed!
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Oh! What a most Handsome Boi!! 🤩❤️
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,270 Interest saved £5,816 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 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.2 -
So cute... I can't have mine in the bedroom though as I'd be too allergic.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/252
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