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January 2026 update

Switching things up slightly from this month going forwards, nothing major, don't worry. I'm just swapping around the finance and non-finance update. Over the past couple of years, as my numbers have compounded the numbers have mattered less and the lifestyle has risen to a priority. 2 months off work, again! Regular readers will know that I took 8 weeks Unpaid Parental Leave in 2025, taking off pretty much all of the school holidays to spend time with my kids. In January I've submitted the same again, and just had it approved (not that they can't not approve it, they can delay it under extreme circumstances but can't turn it down outright - see more in a previous post of mine here ). Lots of plans this year, so far we have booked a 2 week driving holiday in the French Alps, a long weekend in Salzburg, a biking holiday and Efterling in the Netherlands as well as a few days in Wales and the Peak District. Snowy Scarborough We had a night booked in Scarborough right a...
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FIRE update

Here I will be posting my stats for the last quarter, developments that have occurred in the past 3 months, my current net worth and how this impacts my earliest FIRE age.

FIRE Q4 2019:


Current Net Worth: £360,038
Change from last Quarter: +£10,348
Earliest Age I can FIRE: 49



  • My S&S ISA pots (including the 2 JISAs) and pension have performed extremely well for the year, roughly up about 25% (on growth not contributions).
  • I have switched my Student Loan payment to Direct Debit, this will run until November 2020 when it will be paid off!
  • The only outstanding debt I have is my mortgage, just under £55k. This is in a fix until 2022 although only costing me £300 a month. I have made the maximum 10% over payments already this year.
  • Major changes at work mean I expect to receive a sizable lump sum in Q2 2020, consisting of the following:
    • Considerable retention payment due to TUPE transfer
    • Tax free share payout on my SIP scheme
    • Bonus
    • Free shares
    • Share dividend paid out in June 2020.


FIRE figures:
Link to calculator here



  • According to my FIRE calculator, the current age I can FIRE is 49
  • However this assumes that my Bridge pot remains the same, which obviously it won't! So I expect this figure to get lower, the more I save.


Net worth trend:




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