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Here’s where the story ends…
Comments
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I think reducing your hours is worth considering. You may find you are a lot less tired then and more willing and ABLE to continue longer. Also there is research that suggests a gentler route into retirement with gradually reduced working hours is the better way to go than a big bang. The other thing to consider is whether there is any opportunity to buy holidays / take unpaid leave as a half way step.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
3) 44.5/82K = 54.26% AVC Goal by mid 20282 -
No opportunity to do either of those SH. Unfortunately!Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug £20,
Summer challenge £140/3004 -
That's a shame. I'm lucky in that I can and do - do that.skint_spice said:No opportunity to do either of those SH. Unfortunately!Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
3) 44.5/82K = 54.26% AVC Goal by mid 20282 -
Another £750 overpaid today and another two months off🎉🎉🎉Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug £20,
Summer challenge £140/3008 -
Woohoo - congratulations on the OP.Achieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
3) 44.5/82K = 54.26% AVC Goal by mid 20282 -
Awesome OP! 😊
Could you ‘trial’ a shorter working week by booking every relevant day as annual leave for two or three weeks and see how you find it. It wouldn’t reflect the drop in pay level but it might give you a sense of how living / working that way would feel for you?KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2026 as @ 23rd August.
Produce tracker: £200 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 -
The holiday system is awful, it takes months to get back to agree a day off. I could perhaps if I put day off requests for July but even then they might allow some and decline others….
Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug £20,
Summer challenge £140/3004 -
I think I have decided to keep my days as they are for now as this means I can continue larger OPs while making the most difference - hope that makes sense?
I reserve the right to completely change my mind next month though 😂 also I have seen a job that I really really want which would be the same as current pay but less hours. Need to get my application in, it’s probably a long shot but may as well try.Mortgage OP 2026 £1860/2000Mortgage balance: £29,986
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £30,
Jun £120, Jul £0, Aug £20,
Summer challenge £140/3007 -
Absolutely do try.3
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Good luck with the applicationAchieve FIRE/Mortgage Neutrality
1) MFW Nov 21 £202K now £166.7K Equity 38.23% 12/7/26
2) £1.8K Net savings after CCs 31/7/26 (but owed £400) so £2.2K
3) 44.5/82K = 54.26% AVC Goal by mid 20283
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