We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
10 years to clear £334K - our FIRE journey
Options
Comments
-
Hugs. Take your time with big decisions.
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 29/7/251 -
£18 into FIF.
Serious chat with boss about how unhappy and overwhelmed I am and think we have a way to unblock a number of sticking points to make progress on getting more resource which will in turn start unblocking other things. Feeling a bit more positive but have also been here before so not taking anything for granted.
OH away for the weekend, meeting friend for lunch tomorrow but no other plans - bliss! Hoping to get some sorting and clearing at home but if all I am capable of is sitting in the garden with a book that's fine too.
Fantastic night out at the gig on Tuesday; before the show, the singer walked passed me on the stairs to the toilets and said hi and I went all fan girl and couldn't move, mainly because I was standing on my own laces 🤣4 -
I really hope the work thing gets unstuck this time … 🤞
Enjoy your quiet weekend - I love it when Mr KK goes away! 😉
The fan girl thing made me chuckle 🤭
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £236 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 -
Nice email from Nwide today saying OH and I will get £100 next month.3
-
Us too 😊CCW007 said:Nice email from Nwide today saying OH and I will get £100 next month.
Is the work overwhelm improving at all?
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £236 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 -
Glad you got it too!
It's swings and roundabouts at work, quieter from a meeting perspective this week as so many people are on leave but I'm covering for both my teams managers and a number of their teams.
Much of the work itself has been pretty admin based which has been a relief after recent stresses! But still got quite a bit to do before next week so tomorrow will be busy.
On a huge plus side my manager is much more present with me and we are meeting fortnightly which does help.4 -
Need to do a post on current mortgage.
But in other news, I've been offered and accepted a new job! Back at my last employer, in a different role but working closely with my old boss who is the best manager I've had so I know I will have a good support network.
Had the interview with a panel of 3 (including old boss), they phoned within 1.5 hours to offer me the role. Negotiated compressed hours same as current role so very happy with that. Feels like a weight has been lifted.
Less money, closer to home (1 hour round trip instead of 2), 3 days in office instead of 2 so net gain in time.5 -
That’s brilliant news, congrats !Sealed pot challenge 822
Jan - £176.66 :j3 -
Well done, sounds like a good move 👍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!!!2 -
I am so pleased for you 😊👏
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £236 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.4
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.9K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards