Part 38

Hello and welcome back to Mortgage Advisor on F.I.R.E.  This week has been the hardest week of my life, and I’m too exhausted for a lengthy post, and so this week will see just a brief, but significant update.

Weekly Update

As regular readers will know, the past few weeks have not been great for me.  In fact, it’s been a pretty horrible run from November 2019 to now, with a number of health problems and some upheaval in my personal and professional life.  I’m not going to go into much detail here, as I don’t think it’s appropriate, but this past week has pushed me to the brink and it’s led me to a place of brutal truth and self-reflection.  

One quality I know I have is resilience.  I always come back from adversity.  Always.  I might take a moment whilst the intensity of what’s happened washes over me, but I always come back stronger and wiser.  This is no different.  I’m at a crossroads and I don’t know what the future holds, but this plan, the FIRE plan is a constant.  This plan does not change. ​

Health Update

Current Weight: 113.7 (down 2.7kg from last update).

Current Body Fat: 38.3% (up 0.2% from last update).

BMI: 34.3 (down 0.8 from last update).

Weekly Goal: lose 0.75kg.

Ultimate Goal: 90kg.

Weekly Steps: 84,993.​

On paper this looks like a good week for my health, however it masks the fact that I’ve barely been eating.  I’ve not been starving myself, but I’ve been so stressed that I’ve bypassed the emotional-binge-eating stage and gone directly to the stage where I’m not even aware of hunger.  

I have been walking a hell of a lot in the past week as I’ve not been able to sleep.  So, I’ve been out in the early hours just walking around until dawn.  I had a migraine towards the end of the week which I suspect was caused by a mixture of no sleep, lots of stress and a lack of food.  

BTL Update

We have found a property, and had an offer accepted.  It’s a three-bed semi-detached property which has been well maintained.  Our offer was accepted below asking price, and although we haven’t secured the property for much below market value, it has great cash flow potential.  Once contracts are exchanged I’ll post photos of the property, but for now I’m trying to remain calm and restrained regarding this development.

Financial Update

Premium Bonds: £19,250 (no change from last update).

Stocks and Shares ISA: £12,407.43 (up £151.42 from last update).

Fuck It Fund: £0.00 (no change from last update).

Property Value: £187,554 (up £2,306 from last update).

Total Assets: £219,211.43 (up £2,457.42 from last update).

Credit Card: £0.00 (down £310.20 from last update).

Residential Mortgage: £143,528.46 (no change from last update). 

Total Debts: £143,528.46 (down £310.20 from last update).

Total Wealth Figure: £75,682.97 (up £2,767.62 from last update). 

Investment Income in 2020: £86.36 (no change from last update) (target £2,000).

Another week of solid gains, magnified by my lender’s estimate of my property value increasing as well.  I’m edging ever closer to the £80,000 threshold for total wealth which will be a nice milestone to pass considering that I started this journey thirty-eight weeks ago with a total wealth figure of £53,840.  

Final Notes

Thank you for reading this week, and I hope you have a great week ahead.  If you are following F.I.R.E. or would like to know more about it, please get in touch via Twitter ( or leave a comment on this post.  ​


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