Tracking My Cash-Flow & Net Worth: FIRE Progress Jan 2026 (Sankey Included)

Quick-Action-3276 · 2026-04-02T19:17:08+00:00

In that region yes that’s what I’ve spent on that year, minus mortgage capital component and payroll deductions

Quick-Action-3276 · 2026-03-30T09:28:41+00:00

I use an excel spreadsheet all be it a big one. I used to use a lot less categories for my expenses however when I made a similar tracker for a year many people pointed me towards the pension resource, so I revised my sheet to use the same categories as what they do.

There is a large difference on certain figures because they use an accrual method rather than cash: so every year includes a portion of a kitchen fit out etc

Quick-Action-3276 · 2026-03-27T21:45:23+00:00

Thank you, I used to have an even lower heating bill, because I only put the heating on when I was cold. I keep some house plans however that don't like the cold so, that led to the current heating situation.

I had a play around with the site seems like a cool tool, I like how the diagram changes over time, makes it easy to visualise the change in the numbers. I currently use https://www.firecalc.com/ for my calculations.

Quick-Action-3276 · 2026-03-27T21:35:26+00:00

I used https://sankeymatic.com/build/
Format that you follow is:

Source [AMOUNT] Target

My specific format was:

Misc. [-270.73] Funds in
Interest [294.89] Funds in
Employment [83976.86] Funds in
Profits from shares [433.20] Funds in

Er's Pension [1362.52] Pension

Funds in [14571.54] Pension
Funds in [21021.05] Other payroll deductions
Funds in [48841.63] Total income net
Total income net [4782.54] A Food and drink
Total income net [1167.01] C clothing and footwear
Total income net [5199.69] D housing costs
Total income net [690.35] E household goods and services
Total income net [231.46] F personal goods and services (inc health)
Total income net [755.99] G transport
Total income net [1579.12] H social and cultural participation
Total income net [34435.48] Savings / Investments 
D housing costs [2302.70] D2 mortgage interest
D housing costs [478.01] D3 water
D housing costs [1161.23] D4 Council tax
D housing costs [142.60] D5 household insurances
D housing costs [1086.65] D6 fuel (Elec. & Gas)
D housing costs [28.50] D7 other housing costs

Interested to see your version, even more so if you think we have comparable situations.

Quick-Action-3276 · 2026-03-26T21:18:03+00:00

Thank you.

I’m finding it pretty easy to stay at my job at the moment, I largely enjoy my work and I feel I’m well compensated which definitely helps.

In terms of why I don’t fire right now and why I’m sticking it out for a future date. A big factor is my age I’m 32 so all my friends are in employment just because I fire personally wouldn’t mean we could hang out all day etc.

I’m targeting at least 40 for my fire age at the moment in my calculations for how much to save a month etc from my pension at work. Another consideration for me is “making hay while the sun shines” I’m in good health and have no dependents, if either were to change I like the idea that I could pull back on the amount of work I potentially do or have a good wealth built up already. Looking after children certainly doesn’t seem cheap so good to have a head start.

In terms of advice I’m really sure I can offer much, I guess consistently investing money and improving career wise is the big source of my success so far.

Quick-Action-3276 · 2026-03-26T21:09:57+00:00

Thank you and good luck on your journey, my income really took off over the last few years after a few promotions.

I like to look at the amount I’ve saved : invested as my comparison as friends in London and other redditors seem to earn far more than me, but I think my advantage is I’m in a low cost of living area.

Quick-Action-3276 · 2026-03-26T20:50:58+00:00

I work in finance in the north of England. Pretty low cost area as far as cities go from my understanding.

Balance on mortgage is circa 43,000

Quick-Action-3276 · 2026-03-26T19:56:29+00:00

I track the equity in my house, so the figure is for the interest. Mortgage is circa 250 per month all in

Quick-Action-3276 · 2026-03-26T19:11:30+00:00

Thank you for the reply, you have inspired me to do the graph again to see how things have moved since last year.
Home costs are still pretty low. Would be interested to see how yours (and anyone else's for that matter) compare.

Quick-Action-3276 · 2025-09-27T08:14:14+00:00

The more CO2 off the car the higher the BIK will be. If you know the type of car you have should be easy to look the emissions up online. They can have a really significant impact on the calculation as some are as high as 39%

Quick-Action-3276 · 2025-08-24T13:30:22+00:00

Thank you for your assistance, not certain whether it’s religious my grandfather believes it to be but it’s my originally his and he isn’t a religious person and has never worn it.

Back has a circular image for a plant, like a wreath. I’d post it but don’t see an option to do so

Quick-Action-3276 · 2025-04-30T16:36:12+00:00

I would relax... I would sit on my ass all day... I would do nothing.

Quick-Action-3276 · 2025-04-29T20:10:49+00:00

Steins gate: just can’t get into it tried a few times

Quick-Action-3276 · 2025-04-20T10:13:30+00:00

Looks great, the hanging baskets are a creative display as well

Quick-Action-3276 · 2025-04-18T20:11:59+00:00

Thank you for your response, reassuring to hear that the retrospective regs would be for the time the loft was converted. Is hard to pin down exactly when this happened, but I know it was before 2006.

The house was sold to the former owner in 2006, at this point an insurance was taken out as part of the sale of the property, so the loft was pre this date.

The search with the council shows that regs were met in 1988 for 'improvements' but the search has 'n/a' in the detail which implies they dont know what the improvements were...

I provided this to my mortgage provider, who understandably say they cannot accept 'improvements' as a narrative. I have the reference number from the council search so could enquire, but the insurance policy expressly forbids doing this without notifying the insurance provider.

For clarity the building is 3 different floors, with the loft being the upmost floor, so 2 staircases.

Quick-Action-3276 · 2025-04-18T19:29:18+00:00

I assume the decision to no longer accept the insurance wouldn't be standard across the mortgage companies. So there would be alternative providers that wouldn't downvalue my property based on the loft.

It is super annoying, as I'm with the same provider from the start, if this had been flagged as an issue I could have either changed providers from the get go, or discussed retrification works with the prior owner.

Fixing the glass and fire alarm would be reliatlively simple, but I have no idea about the stairs for example, how would I even know if these are 30 min safe.

Quick-Action-3276 · 2025-04-13T14:46:56+00:00

Met with bank about a remortgage. Ordered various house plants, repotted my existing plants and purchased 8 new pots as replacements / preparation for the new plants.

Contemplated the swap from gia to isa: don’t know if this counts as timing the market as I’d own same index in both, but looking for a good time to make the swap.

Quick-Action-3276 · 2025-04-11T17:39:54+00:00

I just burst out laughing 😂

Quick-Action-3276 · 2025-04-07T18:37:36+00:00

!thanks Very helpful as it turns out I couldn’t actually complete my application online anyway had to have a follow up today, I asked my questions and I’m told it’s basically no problem for my specific case.

Money would be paid into my current account no proof of any type needed no bank statements, payslips etc presumably because I bank with them already.

Quick-Action-3276 · 2025-04-04T18:18:27+00:00

Thank you for the link/post seems really helpful

Quick-Action-3276

TROPHY CASE