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!
Mortgage Free now aiming for FIRE
Options
Comments
-
Hi Daisy thanks for the comment yes I am fully aware of the injustices your example is really sad but I guess she was really good and they knew he was crap. In my organisation they have form for paying people who are excellent but has been there 20 years off and keeping the ones that do not have a clue or even worse let more go than they have to and then have to train people up. Just so stupid so I do not hold out much hope.
I have not managed to sort the old business unit out my old BIL has gone totally quiet on me so I do not feel I can push it much more. I might have another go in a few weeks he did send me a cat meme not that long ago but then did not reply to it so might be futile.
Just been to the GP for my app turns out I did not have an appointment and I had to do the whole sorting out in the waiting room while the receptionist shouted to me from the back of her her area behind a screen. Did get an apology and managed to rebook for next week. Still not very pleasant to have to do it all out in the open but at least I can get it done next week.
Also just ordered some plants T & M had an offer of perennial plants collection which is the same as I got a few years ago via MSE and they are fab. Found a code on facebook TMFB770W takes £10 off so the delivery charge of £6.99 does not sting as much. Also got some Winter pansies. Yes I know I should not take them to DK but I need my English cottage garden over there. I just love that style and I cannot take my own so this seems a good option just hope they arrive in time.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest4 -
Book flights coming back to Denmark in September Found flights waiting for DG to check with friend. DONE
Book train for September DONE
Redirect the mail. DONE
Mum to pay Danish insurance by 1/8/25
Order two more Echo dots
Start cancelling all subscriptions (done golf, Virgin CO2U, sewerage, Council Tax) cannot do water yet
Cancel Pet club
Order yarn Messaged to ask how much they think I need might be 1 might be 2
Complete paperwork for movers and get it sent off. DONESave £12k in 25 No 49Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest4 -
God where do I start a lot has happened already today and yesterday.
Golf day was really fun and my team WON! I also beat the pro which netted me £5 profit lol. Lovely dinner afterwards and fun and games with the girls until the evening. DG was not happy with her game but then again where have we heard that before so I am just going to forget about that for now. I am so going to miss the girls it is people I have known for nearly 30 years but also some that has become really good friends of us both in the last 4 to 5 years.
My uncle has passed away he is the last of my dad's brothers he now only has 2 sisters and him left. It is quite sad as I would have loved to go to the funeral but sadly I am just not going to be in the country by then. Just miss out but I cannot travel over just for that sadly. My dad is still not great and his horrible girlfriend has now more or less moved in. She is eating my dad out of house and home according to my sister and we cannot really move him as he really likes living in his house. I am not looking forward to dealing with all of that but I will have to that is the reason I am moving back home.
My sister is really looking forward to me coming over and so is the rest of the family. My nephew is likely to move out to Copenhagen he will know next week if they both get the studies they want. Sad but Copenhagen is not that far away really. Just expensive but you can take the train too.
DG has ordered her projector and sound system and my god it is in some huge boxes that will have to be moved too but she needs to test it first here to see if it actually works. She is very excited now about her new entertainment room.
We have sold something on Ebay so that can be posted later that was £15 so quite happy with that. A couple of things to relist then it is going to Vinted CashCow after that. Label finally arrived yesterday.
Bank accounts are looking awful with the credit card bill going out but there will not be many bills going out of the joint account so that will help as it owes me for the car service and the cats operation.
I will know Monday about my future job roles and how many roles needs to be cut so that will be interesting. Not a lot I can do now but it does feel like one long wait. We have a tip run booked tonight and the cat got a clean bill of health with the Vets so I can now cancel the petplan I will actually do that now.
I have a work call at 2pm then lunch and then it is almost the weekend. Then it is golf tomorrow morning then social with the same girls from yesterday. I did not drink yesterday but I might have one tomorrow night. Sunday is all about getting ready for the move I cannot wait to be finished with all of that.
Mum to pay Danish insurance by 1/8/25
Order two more Echo dots
Start cancelling all subscriptions (done golf, Virgin CO2U, sewerage, Council Tax) cannot do water yet
Cancel Pet club DONE
Order yarn Messaged to ask how much they think I need might be 1 might be 2 - reply with length of cardigan
Complete paperwork for movers and get it sent off. DONESave £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest3 -
sorry to hear about your uncle tg
Xx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'2 -
My condolences on your uncle.
Best of luck for VR.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 29/7/250 -
So sorry about your uncle, and hope dad/girlfriend situation is not as desperate when you get there.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!2 -
Thanks Watty Savingsholmes and Daisy I did speak to my sister I think some of it is she hates the woman and gets irritated by anything. I’ve promised to help with it all once I’m there.DGs projector and speakers arrived it’s huge and was not originally on the packing list so hopefully they will take it still. She got a free speaker with lights that’s really nice and worth £200 plus half price surround sound speakers saving £600 at least. The cinemaroom is going to be epic.We’re keeping the huge cool box sister has one that’s really small so makes sense. We’re now not talk c the duvet in the car as sister has one I brought over years ago that’s fine to use. She says we can take more booze now.I’m off golfing in an hour. Late tee time. DG pulled out just too much going on at the moment so she can test her speaker and projector. Bingo tonight won’t be a late one and then Sunday final decluttering and tip run.Hope you all have a lovely day.Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest2 -
Mum to pay Danish insurance by 1/8/25
Order two more Echo dots
Start cancelling all subscriptions (done golf, Virgin CO2U, sewerage, Council Tax, gas electric) cannot do water yet
Cancel Pet club DONE
Order yarn Messaged to ask how much they think I need might be 1 might be 2 - replied waiting for answer.
Complete paperwork for movers and get it sent off. DONE but add new speakers etc.
post eBay parcel
Save £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest2 -
Sorry to hear about your uncle, hope you have a lovely weekend- sounds so busy. I guess you can't ask work for a "moving day". Hopefully it goes your way on Monday.Save £20,000 in 2025. April 2k, May 3.5k2
-
Thanks for popping in earthgirl2 no I can't really ask them when they do not know. Today is DD in terms of finding out what the new roles will be and how many there are of them. I bet it will be just before 5pm when we get the email.
Weekend was good but busy. I played Saturday and I came 5th I was very pleased and I got cut again. It was a long game so only just had a time to eat lunch and chill before going to the bingo. The bingo was nice but only stayed for the 2 hours then home. We did end up having a few drinks and testing out the new party rocket speaker. It was actually really good and free.
Sunday we did not get a lot done but did make it to the tip and DG had decluttered the office so there is only a few bits to do in there now. Kitchen is done and we took a huge load to the tip it is so nice to see all the clutter and rubbish go honestly.
V@rgin Media has been in touch with the final bill of £800 for the years contract. I am going to try and fight it it is not really our fault we cannot take the contract with us but it is in the contract so might not win. That is really a lot of money I could do without having to pay out.
Mum to pay Danish insurance by 1/8/25
Order two more Echo dots
Start cancelling all subscriptions (done golf, Virgin CO2U, sewerage, Council Tax, Gas/Electric) cannot do water yet
Cancel Pet club - DONE
Order yarn Messaged to ask how much they think I need might be 1 might be 2 - replied waiting for answer.
Complete paperwork for movers and get it sent off. DONE but add new speakers etc.
Post eBay parcel
Declutter officeSave £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest3
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