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Mortgage Free now aiming for FIRE

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  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    The vinted outfit sounds great if it's your style. Bargain.


    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 29/7/25
  • TallGirl
    TallGirl Posts: 6,234 Forumite
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    Thanks Savingholmes it arrived after we left so I’ve not seen it yet. 

    Had a great time at mums got to play two rounds of golf at my old course which was great. Now we’re at the cottage by the sea. The weather was great the first two days but now less so. Today we did go into the town centre and it looks really nice lots of bars and cafes and shops. It is hard with 8 almost all adults to decide what we do and when. DG is finding it tough and is a bit sulky. Tomorrow we’re going to a safari park for the day so I think that will cheer her up. 

    I think we’ve decided not to temp faith and view any houses but I’m seeing two friends Saturday and Sunday so there is time next week after DG goes back. 

    Very cheap holiday so far as there is a Lidl 5 min walk away and we’ve only bought stuff one day but it will all be divided out amongst us. 

    Saw some messages from work big meeting today about the changes. Sounds grim so I’m glad I’ve got my own plans. Could do with dg cheering up but otherwise it’s lovely spending time with all the family even saw my dad before we left. 
    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#latest

  • savingholmes
    savingholmes Posts: 28,986 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you got to see family. 

    It sounds like there is a lot of grim workplace news going around. Definitely need our own plans to help counteract that. It's so good that you are quite far down your FIRE journey.
    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 29/7/25
  • TallGirl
    TallGirl Posts: 6,234 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I’m still having a great time loads to tell about my first day sussing out where to live when we move over. 

    It’s my birthday tomorrow dg went back home Sunday but I’ve got my mum and I saw my sister and family yesterday as I stayed with them for two nights. Also visited to girlfriends I’ve know. since school. 

    Night night all. Hope it’s not too hot to sleep. 
    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#latest

  • Happy Birthday enjoy your day x
    2025 Decluttering 10472⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
    2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
  • daisy_1571
    daisy_1571 Posts: 2,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Happy birthday tg xxx
    22: 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'
  • skint_spice
    skint_spice Posts: 13,441 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy birthday 🥳 
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • vandanfc
    vandanfc Posts: 2,043 Forumite
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    Happy birthday tg. Hope you are having a lovely day.
  • QueenJess
    QueenJess Posts: 4,524 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Ooh - happy birthday 🎂 
    2025 decluttering: 4,019 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟
    2025 use up challenge: 345🥉🥈🥇💎🏆
    Big kitchen declutter challenge 114/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
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