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10 years to clear £334K - our FIRE journey
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Mortgage - £287,885Reduction of £1,172Savings - £13,4005
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Brilliant news on the job, and with a manager that you know you can work with - sounds perfect to me.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo3 -
Mortgage - £286,697Reduction of £1,188
Savings - £15,700
Next month won't see much improvement as got a huge credit card bill (emergency vet costs plus planned expense).5 -
I'm in the 'not too much progress zone' atm with OPs as well because we have such significant spends on the house improvements. But, I remind myself that I have OP'd a good amount already this year and next year should be better as Mr KK is adamant he is having a year off from working on the house!
You've not done so badly at £1,188 reduction in a month
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 = £11,816 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.1 -
Love the fan girl at concert moment.
Well done on the money side of things. Sympathise on the emergency vet bills too.
Congrats on the new job - time back and a boss you love are worth a lot.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 -
Read through your diary and subscribed. Wonderful news re new job and your work-life balance is admirable! Onwards and upwards love Humdinger xx4
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All kinds of stuff going on due to parent's health, very complicated and stressful situation which is likely to go on for a while.
Been signed off work due to stress and anxiety. Feel guilty and like I should be at work but current situation means I'd be no use most of the time. Only time I have ever been signed off was after carpal tunnel surgery and then it was supposed to be three weeks and I talked the surgeon down to one (which I don't think did me any good or helped my recovery 😞).
Been referred for talking therapy and got consult for that on Thursday.
Money wise, sold something for £350 so savings now just over £16k. Going to use this time to focus on decluttering and selling to make my home calmer / more peaceful / less visual noise.
Key is going to be using this time to decompress, deal with family situation and look after myself. Anything else is a bonus so must be kind and not pressure myself or feel like I need to be constantly doing something.
Any recommendations for good guided meditation, particularly grounding ones, on Spotify, YT, app etc very welcome. I struggle to meditate but really want to find something I can connect with.
Also going to try and exercise more - walking the dogs, C25K if I can find any of my sports bras which fit, walking generally. Be good to be outside more and the exercise will help my mental health.4 -
I'm sorry you're having a tough time - definitely take the time you need from work.
Would something like a meditative yoga be helpful to you? Yoga With Adriene does some meditation videos, and breathwork, and gentle flows that can feel quite meditative as well as the more active videos.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20253 -
That sounds tough going. I have always found tai chi a very good means of quieting my mind.Sending hugs x
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 = £11,816 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.3 -
Sorry to hear you're having such a tough time. No recommendations from me, but just wanted to send positive thoughts 🩷 xMortgage 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!!!3
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