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Easter 2025 I’m coming to get you!

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Comments

  • Jessy103
    Jessy103 Posts: 2,654 Forumite
    Ninth Anniversary 1,000 Posts Mortgage-free Glee! Name Dropper
    Happy New Year hetty! All the best for 2022 x
    I've been mortgage free once, so let's do it again!
    Starting balance March 26 £191,274.53
  • Jessy103
    Jessy103 Posts: 2,654 Forumite
    Ninth Anniversary 1,000 Posts Mortgage-free Glee! Name Dropper
    What a mare you're having, hetty! Hope the cat is ok x
    I've been mortgage free once, so let's do it again!
    Starting balance March 26 £191,274.53
  • South_coast
    South_coast Posts: 6,394 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Blimey 😮! Hopefully you're getting it all out of the way for the year early doors 🤞
    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: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Doesn't sound like a fun start to the year - hopefully it can only get better from here.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.3K updated 17/4/26
  • Hettyhound
    Hettyhound Posts: 1,189 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Tooth fixed this morning for £95, anaesthetic just beginning to wear off.  Eyes tested yesterday and two pairs of glasses needed; £265 🤦‍♀️  apparently  I’ve developed astigmatism so I’ll never get my current glasses to focus properly.  Hey ho, such is life...Cat is looking a bit better, not limping as heavily or dramatically (milking it 🐈). Jumping back up onto the beds so it seems like normal service is resumed.
    SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
    MFW #21 Mortgage start Dec 2015 £79,950; April 2026 £13,534 2025 OP £2991/£2,000 2026 £2,077/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £6070/£21,930 (27.67%)
  • savingholmes
    savingholmes Posts: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds coatly but worthwhile. Glad 🐱 is better and your tooth is fixed.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.3K updated 17/4/26
  • badmemory
    badmemory Posts: 10,566 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper
    Tooth fixed this morning for £95, anaesthetic just beginning to wear off.  Eyes tested yesterday and two pairs of glasses needed; £265 🤦‍♀️  apparently  I’ve developed astigmatism so I’ll never get my current glasses to focus properly.  Hey ho, such is life.
    Watch it when you first start wearing them.  I go a bit dizzy when I take them off when moving about.  Especially when near stairs.

  • beanielou
    beanielou Posts: 99,259 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    My DS has that too.
    Takes a while to get used to the specs.
    He could not druve for a good while until it regulated.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • savingholmes
    savingholmes Posts: 29,167 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I adjusted straightaway. The hardest thing is looking at smaller items close up. I still sometimes find it easier to take my glasses off for that. The other thing is the second time I got them - I bought more expensive ones - so that they were better quality. I was certainly happier with the second lot -moving from Mr A to VE
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
    2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
    3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.3K updated 17/4/26
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