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Mortgage-Free Musings: mindful money & FIRE focus

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Comments

  • CCW007
    CCW007 Posts: 1,141 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    edited 6 February at 10:56AM

    (Indoor) cat has got injured (possibly fighting with one of our other cats) - stitches to foot and ankle joint = £500 bill 😪

  • KajiKita
    KajiKita Posts: 10,147 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    Ouch for both the paw and the bill! 😳😢

    Did you have a cat-repair fund?

    KK

    As at 21.05.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
    - OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 35 books of target 52 in 2026 as @ 24th May. 
    Produce tracker: £119 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • RedLipstick
    RedLipstick Posts: 241 Forumite
    100 Posts First Anniversary Name Dropper

    Cat repair fund 🤣🤣🤣 Renaming my budget category right now!

    Hope the kitty is well and recovering ok xx

    Mortgage: £173,700 Sep 22  £157,700 Feb 26

    MF Date: Sep 52 Mar 52

    CC Debt: £15,250 Nov 25 £9,200 Feb 26

    NSD: Jan: 17/31 | Feb: 12/28

    2026 Challenges:

    MFiT-T7 #5

    DFbyXMAS #7

    Sealed Pot Challenge #022

    2026 Grocery Challenge: 20/01 - 19/02 £132.79/£200

    2026 Grocery Challenge: 20/02 - 19/03 £31.85/£200


  • edinburgher
    edinburgher Posts: 14,568 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 6 February at 10:30PM
    https://forums.moneysavingexpert.com/discussion/comment/81872716#Comment_81872716

    Bloody cats! I'm sorry 🤦🏻‍♂️

    We started insuring ours after the most recent injury, even the insurance will only go so far vets have got so expensive!

  • beanielou
    beanielou Posts: 99,826 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    Vet prices are getting ridiculous now.

    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • CCW007
    CCW007 Posts: 1,141 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper

    Current mortgage: £277,171

    ATMN: £249,931

    Savings: £27,200

    Wow, ATMN is below £250k!!!

  • beanielou
    beanielou Posts: 99,826 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    All good then.

    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • savingholmes
    savingholmes Posts: 29,200 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Great progress.

    Ouch to the vet bill!!

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
    3) Mortgage neutral by 06/30 (AVC £42.2K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 48.2K of £127.5K target 37.8% 24/5/26 (If took bigger lump sum = 70.1K or 55%)
    4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
    5) SIPP £5.6K updated 16/5/26
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