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Here’s where the story ends…
Comments
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I swear there's washing machine time. My dryer seems truthful - the WM absolutely worst liar ever!!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/253 -
This has made me chuckle this morning - thank you ☺️savingholmes said:I swear there's washing machine time. My dryer seems truthful - the WM absolutely worst liar ever!!
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Today has been a better day than forecast although I took myself out to a walk around a garden and it poured for a while but then sunshine again. Got stopped behind a bus on the way home and was wondering what was going on but it turned out there were some sheep about to cross the road😂
Anyhow I have now caught up with all the house work and washing, lunch made for tomorrow and an early night for me I think.Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)6 -
Now that’s what I call a woolly-jam! 😉😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
Got payslip and plans made! Quite a bit extra this month so putting a fair bit into savings I think although I might OP a bit extra than planned to mortgage, I will go with planned at beginning of the month and see how things are looking later on in June.Money appeared in my account from 0nep0ll so that’s been moved to fun savings which is looking much healthier at the moment.
I think I might start trying to make a bit extra each month, £100 perhaps? It might encourage me to declutter!Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)6 -
Love the sheep!
£100 target sounds fab for extra £.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/252 -
So after saying I was doing well my boiler broke down 🙄 while it wasn’t expensive to get fixed the engineer told me it was over twenty years old and so I am now thinking I should replace sooner rather than later. I have money I could use for this but I am going to try to save an extra £2000 towards it as I hate spending my savings 😂 it was amazing how much I take hot water for granted as I was miserable with cold showers and boiling kettles for one whole day!
I went for a drink and a movie last night with a friend and met some others for lunch today but both either paid in advance or cheap so all good. Feeling quite positive despite the setback.Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
£100 pm would be a great OP
boo to the boiler cost ! / loving the sheep thoughDON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest4 -
I did my first pr0lif!c survey today so hopefully a whole 30p richer for that😂
Sent another £100 to the boiler fund, gutted not to be growing my actual savings but needs must.Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)7 -
So I have calculated that if I OP an extra £150 on top of my planned Ops for this month and next I will be in the 40s😱 obviously I could hang on another month but I won’t 😂Mortgage OP 2025 £7050/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,965
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)6
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