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Mortgage Free now aiming for FIRE
Comments
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The vinted outfit sounds great if it's your style. Bargain.
Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/261 -
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.Moved to Denmark for FIRE by Aug 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 -
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 £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
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 £5.2K updated 16/1/262 -
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.Moved to Denmark for FIRE by Aug 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 -
Happy Birthday enjoy your day x2026 Decluttering 3982⭐️⭐️
2025 Decluttering 17207⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️4 -
Happy birthday tg xxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing 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'3
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Happy birthday 🥳Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30003 -
Happy birthday tg. Hope you are having a lovely day.2
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Ooh - happy birthday 🎂2026 decluttering: 1,099 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 302🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0001 -
Thank you for the birthday wishes had a lovely day with my mum visiting a treetop tower in the middle of a forest. So calming to walk along the forest and also up the tower gentle boardwalk all the way with lots of resting places.Travelling back today so need to get a few more bits to take back. Also visiting an outlet place before the train. I don’t really need anything but mum wants to buy me a present.I’ve had a great time lots to think about re the move. DG has a cold so has taken the day off. She’s off to play golf her way destress she claims.I miss the cats and dg so will be good to get home 2 1/2 weeks is the longest I’ve had off in ages. I’ll post properly when I get back and share more about the house hunt and the properties we saw.Moved to Denmark for FIRE by Aug 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#latest5
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