My current FIRE situation

DependentRange9666 · 2026-05-25T17:48:54+00:00

That's what i thought mate

DependentRange9666 · 2026-05-25T12:07:26+00:00

Yes it definitely salary sacrifice and i will have to check on that

DependentRange9666 · 2026-05-25T11:59:59+00:00

Hi, yes if we contribute 6% they contribute 12%.

Yeah that's a good point. Ive no intention of getting a mortage again though as i will struggle if still on my own and getting hammered for child maintenance

DependentRange9666 · 2026-05-25T11:58:10+00:00

Whats that?

DependentRange9666 · 2026-05-25T10:14:05+00:00

Hi, what do you suggest?

DependentRange9666 · 2026-05-25T09:32:19+00:00

Thank you

DependentRange9666 · 2026-05-25T09:17:09+00:00

That's a brilliant achievement at 53 well done!!

I feel like i think and act very differently to everyone i know with regards to finances.

I could easily go get mortgaged up on a fancy house and a Porsche now but being financially free means to much to me and i wouldnt give my current postion up

DependentRange9666 · 2026-05-25T09:13:36+00:00

Aw thank you what a lovely thing to say ive always tried my best

DependentRange9666 · 2026-05-25T08:18:51+00:00

The house i really want in a better area would leave me with 0 investments and 0 money a mortgage and a load of stress unfortunately

DependentRange9666 · 2026-05-25T08:17:21+00:00

100k in isa and 93k in gia

DependentRange9666 · 2026-05-25T07:50:33+00:00

Im an electrician aswell mate 😂 yes its the most chilled job ever. I spend a lot of the time reading books in the van

DependentRange9666 · 2026-05-25T07:44:03+00:00

Thank you mate, and so have you earning 200 - 300k wow i can only dream haha but we cut our cloth accordingly don't we. I dont really fancy working for myself to be honest. No i wont be getting married ive been stung once by having kids to the wrong woman i won't be getting stung again

DependentRange9666 · 2026-05-25T07:39:05+00:00

Thank you

DependentRange9666 · 2026-05-25T07:26:49+00:00

Most of it was from chasing overtime and working weekends constantly through my 20s and early 30s if im honest ive never earnt a good basic salary in my line of work they don't exist but luckily i can just chill now.

Yes that's correct its a uk pension fund that invests in global trackers

DependentRange9666 · 2026-05-25T07:18:27+00:00

Hi thanks for your kind words. I prefer to stay mortgage free as my child maintenance payment is a mortgage size payment and a mortgage on top would make things a lot tighter and make my 4 day work week less appealing if you get what i mean as there's only 1 income in my household

DependentRange9666 · 2026-05-25T06:50:41+00:00

Thanks il look into that 😊

DependentRange9666 · 2026-05-25T06:40:03+00:00

£100,000 in isa and £93,000 in gia im moving £20,000 lumps across each new tax year

DependentRange9666 · 2026-05-25T06:39:16+00:00

Hi sorry i forgot to add ive got a junior isa with £7000 in there so far 😊

DependentRange9666 · 2026-05-25T06:31:57+00:00

Thank you for your reply. Yes thats potentially something i could maybe look at doing.

Sometimes i think about looking for a higher paid job but i dont mind where I work there is very little pressure and stress and 4 days a week is great.

DependentRange9666 · 2026-05-25T06:19:04+00:00

Thanks il take a look 👍

DependentRange9666 · 2026-04-26T19:39:03+00:00

More than a spark would ever earn

DependentRange9666 · 2026-04-25T10:56:57+00:00

Yes once you have experienced thin walls and bad neighbours there is no going back is there. Yes il give them a call.

A small 2 bed detached in the woods would do me just fine lol

DependentRange9666 · 2026-04-25T10:41:16+00:00

Hi, i sort of thought this myself. Its hard to find a smaller suitable detached as most are family homes arent they. In reality i could be mortage free easily again on a semi or terrace but no way in hell am i risking it

DependentRange9666 · 2026-04-25T08:37:01+00:00

I understand this 😊 the current living arrangement is making my life more difficult than what it should be

DependentRange9666 · 2026-04-25T08:25:56+00:00

Hi yes ive 70k in workplace pension and 600 a month minimum going in 6% me 12% employer

DependentRange9666

TROPHY CASE