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Here’s where the story ends…
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Well done on hitting your target.
Kudos to you on the OT.
Lovely win on the skirt.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 -
Thank you SH!
It is so cold here, this job seems to involve a lot of killing time between visits, so I try to fit a walk in for exercise but also end up in supermarket cafes trying to keep warm - it was -2c most of the day rising to 0c at some points, here is a photo from today’s walk.
DS popped in after work while I was working and messaged me saying he had fed the cat, this would have been great except for the fact I had already popped home and fed her! I
can imagine the act she put on…poor starving soul!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)5 -
well done!skint_spice said:Oh and I decided to make an OP of £100 which means I have reached my target for the year🎉🎉🎉
Beautiful pic, I was out in the London snow/hail at 7.40am this morning .. not impressedDON'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 -
Love that the cat got fed twice! 😂 She won’t be quite so hungry today then … 😉
Beautiful picture 🤩
I would be struggling to make myself walk in those temperatures too, especially if leaving very warm spaces to get into those cold temperatures - something of a thermal shock!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.4 -
love the sunset. thank goodness for supermarket cafes as a place to keep warmMade it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!3 -
Thanks all, I always feel better after spending time at the beach.Day off today, picked up some parcels, visited DM with DF then dropped him off in town before coming home and blitzing the house. It looks much better which makes me feel much better.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 -
Woohoo 🙌🏼 🎉 congrats!!skint_spice said:Oh and I decided to make an OP of £100 which means I have reached my target for the year🎉🎉🎉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 -
Thanks but we are never happy, I am now wondering if I could squeeze an extra £1000 out from somewhere to end the year😂debtfreewannabe321 said:
Woohoo 🙌🏼 🎉 congrats!!skint_spice said:Oh and I decided to make an OP of £100 which means I have reached my target for the year🎉🎉🎉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)4 -
Just don’t leave yourself short to have a mini celebration …? 😊skint_spice said:
Thanks but we are never happy, I am now wondering if I could squeeze an extra £1000 out from somewhere to end the year😂debtfreewannabe321 said:
Woohoo 🙌🏼 🎉 congrats!!skint_spice said:Oh and I decided to make an OP of £100 which means I have reached my target for the year🎉🎉🎉
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.4 -
Wise advice / holding back for a nice bottle of wine or a cheap ishKajiKita said:
Just don’t leave yourself short to have a mini celebration …? 😊skint_spice said:
Thanks but we are never happy, I am now wondering if I could squeeze an extra £1000 out from somewhere to end the year😂debtfreewannabe321 said:
Woohoo 🙌🏼 🎉 congrats!!skint_spice said:Oh and I decided to make an OP of £100 which means I have reached my target for the year🎉🎉🎉
KK
lunch could be a great way to celebrate ! So do both ! DON'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
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