In the nick of time

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  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
    First Anniversary Name Dropper First Post
    edited 29 June 2020 at 5:22AM
    KP one dog person is coming from Surrey :astonished: about 400 miles!!
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • South_coast
    South_coast Posts: 4,910 Forumite
    First Anniversary First Post Name Dropper Photogenic
    I think wild camping is what camping used to be before everyone went to campsites and toilets and electricity became a necessity!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • savingholmes
    savingholmes Posts: 27,324 Forumite
    Name Dropper First Anniversary Photogenic First Post
    I love crystal too. Ouch to £40K spend - depends how much it added value to your home though. The rest of your plans sound positive...
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 237 payments to go - now £184,341 Equity 26.26%
    2) Spend on handyman & external building works & new patio door £11.9K
    3) CC £3.7K on 0% spends card but offset by £34K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value @15/4
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • newgirly
    newgirly Posts: 8,928 Forumite
    First Anniversary Name Dropper Photogenic First Post
    That’s pretty good going to have got so much done and cleared most of the cost already, well done 🙂
    2022 MFW 67 - 33 month challenge to clear mortgage, month 17 completed and and extra 2 knocked off 🙂MFI3 No.12
  • South_coast
    South_coast Posts: 4,910 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Not crass at all MFD's, it's your lives and money. Spend/use them however you flipping well want and don't worry about what anyone else might think!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
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