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Follow the Yellow Brick Road 2023
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They always areAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Exasperating and exhausting at times."Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga2 -
Indeed - but I am sure they say the same of us...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
That made me smile savingholmes. I have indeed been exasperated and exhausted this evening, but you're right
"Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga1 -
Glad it made you smile.
I'm still not ready to take on that level of exasperation again... but there are things I miss out on because of that.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Yes, I was having this conversation with a friend the other week - but then there are many things you don't miss out on too. Life is never perfect I guess."Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga3 -
Inevitably it is about being with someone where the bits you are missing out on, outweigh the bits that cause exasperation. I think a big part of it is both being willing to compromise on what seems trivial to you (leaving my porridge bowl in the sink to soak) but drive the OH wild (poor Mr KK - I only realised when I asked him to stop doing something and he asked me to stop doing that in a huge emotional burst - most unlike him - I no longer leave bowls soaking in the sink and smile wryly when occasionally he absent-mindedly does …. 😉).
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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 -
That sounds so familiar, its not just us thenKajiKita said:Inevitably it is about being with someone where the bits you are missing out on, outweigh the bits that cause exasperation. I think a big part of it is both being willing to compromise on what seems trivial to you (leaving my porridge bowl in the sink to soak) but drive the OH wild (poor Mr KK - I only realised when I asked him to stop doing something and he asked me to stop doing that in a huge emotional burst - most unlike him - I no longer leave bowls soaking in the sink and smile wryly when occasionally he absent-mindedly does …. 😉).
KK
"Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga4 -
I've updated my signature and equity now at 28%. Huge improvement on the 5% just over three years ago. Current plans are for us to take lump sums from our pensions in a couple of years time to pay off the H2B, leaving us with a mortgage of around £175k to keep chipping away at. It's all starting to sound very manageable with a bit of luck and hauling ourselves back onto a slighter speedier MFW train very soon.
"Think of many things, do one"
Mortgage 30 Aug'25 est. £209,500 £309,749 2020 (current ends 2038)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga4 -
Wow! 🤩 That’s an awesome shift in equity in that time! Well done!! 👏👏👏👏👏😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,048 Interest saved £5,675 to date
Fixed rate 3.85% ends October 2030
Read 43 books of target 52 in 2025, as @ 17th August
Produce tracker: £299 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
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