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Here’s where the story ends…
Comments
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Love your summary of your year's progress to date. You are doing so well balancing your current and future self. Well done for saying no to the extra shift. Glad the kitten is bringing you joy.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 10/10/251 -
Thanks SH, it is hard to say no when you are being pressured but I chose to reduce my hours and yet there is obviously a belief if they ask often enough I will cave…
So today I took Miss S to the vet for second vaccine, took DF out for lunch then walked into town and spent money… bought some make up and moisturiser etc then two pairs of pj bottoms and two vest tops. Felt a bit odd as I rarely buy new clothes but pjs and underwear are exceptions. Can finally get rid of some scruffy bottoms now!Finally ironed a couple of new to me tops and wearing a rather nice FC shirt today, more ironing to follow…
Did a bit more weeding today, getting there.
Oh and ending on a high note my house insurance cash back finally tracked and I have £38 confirmed 🎉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)1 -
Glad DF is being helped by kitten therapy ❤️😊
Also glad that you bought some clothes for yourself - sounds like that they were needed.
Yaay for the cashback! 🎊🎉😎 OP or do you have another plan for it?
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.2 -
Not sure about the cashback KK but I am thinking of spending some money on fencing so I think it will go into the pot for that.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)2 -
Glad Miss S bringing joy, especially to DF who clearly needs the love just now.Made 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 !!2 -
Miss S currently bouncing around the room playing with a ball and knocking all cushions off the sofa🙄😂
I am working today but it’s 9-5:30 so a mercifully short day. Lunch is made and there’s plenty in for dinner so hoping I might manage a NSD today.
More time planned in the garden later, I have so many ideas😂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)1 -
Are you deeply discussing your garden ideas with Miss S??
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 -
My plan is to keep Miss S as an indoor cat KK but then again I feel guilty every time I go outside and leave her indoors 🙄 maybe a catio…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)2 -
Did you see the catio we had for Chloe and George when they first came here?skint_spice said:My plan is to keep Miss S as an indoor cat KK but then again I feel guilty every time I go outside and leave her indoors 🙄 maybe a catio…
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.2 -
I do remember that KK, it was fab!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)1
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