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Follow the Yellow Brick Road 2023
Comments
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Thanks Kajikita, it does feel amazing. We own almost a third of every room outright
I'll be even happier when we own at least a half of every room - 51% would be nice so we'll be majority shareholders - that can be my first target. "Think of many things, do one"
Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga4 -
You are making fabulous progress. Well done.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £39.3K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 45.2K of £127.5K target 35.4% 8/5/26 (If took bigger lump sum = 67.1K or 52.6%)
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 £5.4K updated 8/5/263 -
Great progress.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)3 -
Brilliant progress! I'm sure you'll make that 51% sooner than you think
MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.142 -
Thank you for your encouragement savingholmes, debtfreeoneday and FlacosFloozie. It felt like an impossible task not so long ago - it's a great feeling to now have a plan we can work to. I feel like I can relax a little, but not too much
"Think of many things, do one"
Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga4 -
£75 PB win ploughed back into the PBs. That's an average of £15 a month now since I started investing.
Feeling a bit tired tonight, and somehow a bit down - probably because of the tiredness. Looking forward to a good sleep and hopefully feeling a bit brighter tomorrow."Think of many things, do one"
Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga2 -
Well done on the PBs top up 😊
Sorry to hear about feeling a bit down. Hoping a good night’s sleep helps. If it doesn’t I would consider upping your vitamin c intake, as I often feel flat and blue when fighting off a bug.KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Thanks Kajikita, still felt tired, achey and yuk this morning but some exercise seems to have cleared my head. I've some daily multi-vitamins that I keep forgetting to take so I need to set a reminder and although I've done more strenuous exercise than normal, it's meant my daily reviving walks have been missed. All these things add up and it was strange how I was feeling a bit glum because I even had the PB win
. Flat is a really good way to describe it, like my bounce had gone, luckily I have bounced back a bit now. "Think of many things, do one"
Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga3 -
Glad you are feeling a bit better. 😊 Try and get an early night tonight?I currently feel like a puddle …. Inert and a bit wet! 😂 Think an intense week has caught up with me.KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Thanks Kajikita, lots of rest needed and am definitely feeling loads better. Sorry to hear you're feeling a bit of a damp squib too.
I managed to get out in the fresh air and had lots of exercise. I've done a lot of shopping today - food should be done for the week - and bought some wants rather than needs again. But I did do some clearing out yesterday and had a trip to the charity shop. I've got quite a few things to try on V1nted. Made a spicy veggie and lentil soup for dinner and took a sour dough loaf out of the freezer. It was delicious, so I'll just need to buy a few more veggies and can make another batch this week - could pop some into the freezer for some different lunches as well.
Ready for a busy week again."Think of many things, do one"
Mortgage est. 30 Apr'26 est. £201,500 £309,749 2020 (ends 2038 - aim for 2031)
Seven Goals; and healthy diet/walk/run/exercising/weights/yoga5
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