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Hope you are having funAchieve 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 29/7/252 -
Just working but all good thank you.savingholmes said:Hope you are having funMortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Great that your daily interest is about to hit the £5.x - your OP's are greatDON'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#latest3 -
Sadly I have just put next month’s OP down to £10 as I will probably not receive much of a wage in Aug - a couple of days from old job and a couple from new so don’t want to have to take too much out of savings. Feeling calmer now about heading into September, if I have underestimated how much I will have I can always do a payment or two directly.LadyWithAPlan said:Great that your daily interest is about to hit the £5.x - your OP's are great
This weekend I need to suss out expense claims and work out this week’s claim. Not much planned for the weekend but I had an early start today now off for a few hours but a late finish, at least I can get some washing out…Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
How's the new job going?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 29/7/252 -
Good thanks. Lots of new things to get my head around but I’m sure it will calm down.savingholmes said:How's the new job going?Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
I am really not doing well on the saving and making extra money front this month. Just got another £11 from surveys and hopefully 0nep0ll money will arrive soon too. Doing some overtime this evening which I suppose I could add but I am trying not to 😂 this is as I will probably always do extra hours in this job so it feels like cheating.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)5 -
Another £3 cashback paid out, slowly slowly…
I’ve been working until ten the last couple of nights so decided to laze on the sofa with the cat this morning but unfortunately I just got cramp in my leg and all the jerking about knocked her off of me, she’s gone outside to sulk. Just googled as I have had this a few times this week, suggests dehydration and possibly a lack of calcium, magnesium or potassium so I will try and keep on top of it.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
I used to get cramps in my legs a lot someone recommended magnesium but it didn't really work for me. They did stop eventually on their own though. I think trace minerals are often lacking in our modern diets so maybe some Himalayan salt might help you.
Hope you had a nice morning off 😊MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
Total- £1162.23
Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)
EF- first goal £300
4 -
Thankfully the cramps have stopped for now so hopefully not an ongoing issue 🙏
Had a lovely day out at a craft workshop with my fab MSE pal Elantan. Quite a trek up to the highlands but we had a lot to catch up on😂
Awaiting payslips to see how much I will have to transfer from savings for September, it will have to be a frugal month! It’s about time though as I have been spending way too much and need to refocus.
Today shall be a run in the pouring rain and tidying the house alongside some shopping and visiting DM.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,255
Money making challenge £0/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3
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