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Easter 2025 I’m coming to get you!

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great your son is getting the help he needs. 

    Your mortgage is really coming down now. Soon it will be in touching distance of the finish line.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Very sadly I buried my beloved cat Millie last night in the garden after she had been hit by a car and left dead at the roadside. Some very kind people added a message to our local FB page and a lovely lady took her at 11:30pm to the out of hours vet, bless her I will be forever grateful.  I collected her yesterday evening so we could bring her home  :'(  She was the youngest of the pets at 11 years and the remaining cat (Sybil 17 years) and Hetty (14 years) seem to be grieving too.  Its quiet and sad in our home today.
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's so sad. Hugs
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • beanielou
    beanielou Posts: 95,620 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Very sadly I buried my beloved cat Millie last night in the garden after she had been hit by a car and left dead at the roadside. Some very kind people added a message to our local FB page and a lovely lady took her at 11:30pm to the out of hours vet, bless her I will be forever grateful.  I collected her yesterday evening so we could bring her home  :'(  She was the youngest of the pets at 11 years and the remaining cat (Sybil 17 years) and Hetty (14 years) seem to be grieving too.  Its quiet and sad in our home today.
    So sorry  :(
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    I've just made an overpayment of £55.84 to round down my mortgage to £29,900.  Working overtime tomorrow as I did last Saturday so that will be ear marked for the mortgage.  Currently re-doing my budgets and re assessing my spending pots, especially my groceries allowance.  It might sound strange but loosing Millie has made me think long and hard how I want my future life to be and its not as it is now or where I live now; although the where bit is still perplexing me.  Lots of thinking needed while I whittle away at the mortgage.
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • beanielou
    beanielou Posts: 95,620 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I've just realised I have now paid off £50,000 on my own in 7 and a half years!!  I am so happy and proud!!!!! 
    That's amazing.
    Be very proud indeed :)
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Jessy103
    Jessy103 Posts: 2,246 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    So sorry to hear about Millie ❤

    Congratulations on the £50k paid, that's amazing and you are right to be proud x
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's a huge amount - well done Hetty.

    It's good not to sleep walk through life and to take opportunities along the way to re-evaluate whether you are still heading in a direction you're happy with.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Hello people out there.  So my mortgage now stands at £29,299. 34 and my current interest rate is 5.89%.  Just looked earlier in my diary and when I took it out on 31st December 2022 it was 4.39%.  Just waiting for the next rise.  Its only a small amount owing for which I'm very grateful as the interest rate on my lovely fixed at 1.64% was costing me about £48 in interest per month; last month I paid £136!  Food is still going up for what seems to me no apparent reason anymore.  I would have thought it would have levelled off by now.  What also really bugs me is how expensive food that hasn't been "fiddled with" is compared to this ultra processed stuff that is churned out.  Anyway mini moan over.  Allotment is very slow this year and I've struggled to get things to germinate however I have cucumbers and tomatoes in the polytunnel, garlic, onions, potatoes and broad beans in the ground and then a crop of chillies and peppers in my cold frame at home.  I have made soup at lunch and some mini quiche things made in muffin tins (non stick tin brushed with oil and still stuck!).  Don't think I'll make them again but there was a little bit of pastry left from making a quiche on Sunday and they will do to take for my lunch tomorrow as its office day.  My son has been invited to 2 birthday parties so need presents for those and he starts swimming lessons next Saturday.  It became apparent that even though his year missed on on school swimming due to covid they were not going to arrange lessons for his year group.  We had a form to complete at the beginning of the school year regarding swimming ability and then heard no more; they arranged lessons for yrs 3/4 instead.  I can't remember whether I mentioned we have got a statement of educational needs for him so I'm feeling a lot happier about his transition to secondary in Sept 24 and I've heard good things about the SEND provision at the school he is planning on going to.  Went to BBC Gardener's World at the NEC last Saturday and going to a local ish food festival on Sunday where I have booked Alex a 30 minute cookery lesson on healthy pizzas.  We have another Retained Reflexes appointment in 10 days so have now been going a year.  It has definitely helped and he is now only 18 months behind in reading.  Fish for tea but no broad beans as I was not going to the allotment in the pouring rain!  Frozen peas and sweetcorn instead; best go and make it.
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
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