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Thanks KK, hope you enjoy your meal tomorrow. I don’t mind paying for lunch or dinner out as much just thought it was a bit much for breakfast😂
Hoping to run for the first time in ages tomorrow, I have had a cold for forever so hopefully it seems to be heading away at last.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
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)3 -
Sorry Skint - only just caught up on your diary again. Very behind on most diaries currently as my brain is working in fits and starts currently.
That seaside photo was stunning but scary.
How lovely that you got to see the northern lights locally. That sounds amazing. I'm currently watching fireworks for miles in front of me. Awesome.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 29/7/253 -
The Northern Lights were lovely SH, I just wish I had more time to enjoy them but it was after bedtime and I am sleepy spice these days!
I bit the bullet and joined a gym at the weekend 😱 so I reckon I need to go twice a week to make it worthwhile - must go tomorrow!
It’s been a bit of a rubbish week so far work wise but a couple of days off now then back for the weekend, trying to focus on the positive rather than negatives.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
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)2 -
Just made an extra OP of £100, hoping I might manage a bit more before the end of the month but must stop spending…that said I’m off to get my nails done😂 it’s a planned spend though so not so bad.
Plan for today is nails, gym, visit to DM and out to a film later with a friend so not a bad day at all.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
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)3 -
Yaay for the OP! 🥳🎉😊
Hope the gym goes well. Is this an induction session?Enjoy the rest of your day 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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 -
No just a visit KK, I was a member a while back but will book a training session soon I think. I didn’t get there in the end☺️
Nails took a lot longer than anticipated as friend decided to try out something different then neither of us were keen so ended up taking it all off and starting again😂 now have very glam red nails.
I ordered my first Christmas present, this is crazily early for me😂Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
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)3 -
Oh well done on the gym, especially considering the cold dark nights usually have everyone cancelling at this point in the year for their duvet and tv (or was this just me 🙄🤣)
I made a start on the stocking fillers but haven't bought any big presents yet, now the kids are older I am not as excited about it as I used to be, the kids used to be on countdown from Halloween usually and now they're like, whatever.......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
3 -
Well done on OPAchieve 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 -
Thanks SH. I thought I should send it over before I accidentally spent it!
DFW321 my thinking is I can start next year in better health and shape. Also I am always scared to run when the ground is icy so at least I can do something indoors.Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
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)3 -
Was confused when mortgage app wasn’t anywhere near my overpayment app figure but then realised it will take a few days for the extra op to arrive 😅Mortgage OP 2025 £6200/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £36,260
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)2
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