10 years to clear £334K - our FIRE journey

savingholmes

Hopefully you are free now and enjoying your break

CCW007

Just set up OH with a new cash ISA as the rate for his current ISA has dropped significantly.  Last ISA was opened on 27th December 2023 so this is clearly a new Christmas tradition.

Paid for door and windows before Christmas.  Spreadsheet updated now with all CC minimum payments.  Looks like we will be c£500 left to debt neutral (due to paying the window company, would have been in surplus otherwise) plus we still need to work out how we're paying the £1k Mortgage Free fund.  

savingholmes

Well done on the ISA - I need to finish moving mine... and possibly reset my password!

Happy New Year in case I don't catch you again before. Well done on clearing the cost of the door and windows.

CCW007

Thanks SH.

Bad news on the parent health front, puts everything into perspective. 

OH share save matures and he gets paid out end of Jan. Half earmarked for something for his workshop, other half will go into the pot so hope to be debt neutral and starting to build MF pot early in the new year.

Big turkey collected from Olii and cooked, stripped and put into containers for cats and dogs over next few days.  My local volunteer collected loads of turkeys last night and apparently there are going to be more tonight. Such a waste!

LadyWithAPlan

savingholmes said:

So cute... I can't have mine in the bedroom though as I'd be too allergic.

I am the same sadly 

the OPs next year sound great ! Well done for the review as well - good to have a focused plan

South_coast

Sorry to hear your family news ❤️ I know it's no comfort now, but I always find these events spur me on to work even harder towards FIRE, so I can spend more of my life enjoying my life. Hope everything goes as well as it can x

CCW007

Thanks SC, that's exactly where I am mentally right now.

Car charging schedule means I have bad cheap rate electric most of this morning so done two loads of washing, one in the TD and the dishwasher is on.  Most of which could have been done overnight but I was all out of spoons.

Today will be animal related chores and sorting the house. Need to have a look in the fridge to see what needs to be used up / made into soup.

Family visit yesterday did not result in freeing up as much freezer space as I'd hoped - took lots down to family but brought back almost as much. Will be well set for fish based dinners in January.

savingholmes

Sorry about the parental health news. 

Well done on the food prep and org.
Happy New Year.

CCW007

2025 goals

Surviving and thriving

Surviving will be about coping with parental health news and finding ways to minimize impact of work on my home life.

Thriving will be:

Financial
- minimise outgoings
- maximise income

Career
- work out what elements of my role interests me and develop my knowledge, experience and training in this area

Relationship 
- make time for enjoyment, live music etc

Self-care
- reduce drinking
- healthy eating
- calorie counting
- batch cooking 
- meal planning

Last two under self care also hel with reducing outgoings as there were too many takeaways when I was late leaving the office and couldn't face cooking from scratch last year.

In support of maximising income, I have applied for a bank switch on donor account this morning. Comes with a 6% savings account (up to £4k) so need to apply and fill that ASAP.

CCW007

OH's ISA transfer was completed today and interest earned means we are debt neutral and have savings of c£700!