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Easter 2025 I’m coming to get you!

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Comments

  • South_coast
    South_coast Posts: 5,963 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Aaahh, fair enough. Good luck with it today 🤞!
    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: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope the car is straightforward. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    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 £4.8K updated 13/9/25
  • Hettyhound
    Hettyhound Posts: 1,061 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 6 May at 4:43PM
    Honestly car is driving me mad.  Light on all way to work but drives fine.  Beeped when I started it up to come home but no light on.  Got petrol, no beep or light.  Sold a Strimmer and 3 games today from my listing at work.  Someone asked if hay racks were still available but haven’t come back again so we will see.
    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; Sept 2025 £18,399.00 2025 OP £1703.13/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • Hettyhound
    Hettyhound Posts: 1,061 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Managed an overpayment of £20 today thanks to some of my sales via the work channel.  Waiting to see if there is an interest rate drop tomorrow as I’m on a tracker 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; Sept 2025 £18,399.00 2025 OP £1703.13/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • South_coast
    South_coast Posts: 5,963 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    In the interests of the greater good, I will join you in hoping for a fall. However, as a saver, I shall be doing so through gritted teeth 🤣!
    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!!!
  • Hettyhound
    Hettyhound Posts: 1,061 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Another £20 to the mortgage thanks to work sales.  Mortgage now stands at £19,800 and my interest rate has dropped to 5.09%.
    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; Sept 2025 £18,399.00 2025 OP £1703.13/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • Hettyhound
    Hettyhound Posts: 1,061 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    It was mortgage DD date on Saturday so it will update tomorrow.  My aim for the end of this month is to get it to £19,500.  I have CC (0%) which I’m trying to get paid off then that payment can be diverted to the mortgage.  I bought 24 little plug plants at A*da yesterday for £5 the lot.  I’m in the process of moving my garden compost bin so have spent the afternoon sieving compost and have potted up my plant stand and hanging basket.  Hoping good weather and home made compost will help them flourish.  Got my son’s broken glasses replaced yesterday free of charge, popped to M and S and bought him a pack of 3 short sleeved school shirts for £18. they should last him until the end of next school year as I bought a bigger size (14/15 and he’s only 12!).  Also realised its 2 weeks on Monday we go camping so we also ended up in Go Outdoors to buy the gas cylinders and some rock tent pegs (1st site we are going to says you need these as rocky under the layer of grass).  I’ve got a camping check list to download but I think we only need to think about food now.  The site is only about 25 miles from us so if worse comes to the worse we can always come home 🤣
    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; Sept 2025 £18,399.00 2025 OP £1703.13/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • earthgirl2
    earthgirl2 Posts: 528 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Oh I love camping!! Sound great and here's hoping to car is just a loose connection 
    Save £20,000 in 2025. April 2k, May 3.5k
  • Hettyhound
    Hettyhound Posts: 1,061 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    so I have just managed to over pay £70.46 to bring the mortgage down to £19,499.  The rest of May will be expensive I'm afraid so that's going to be it for May.  Going camping on Monday for 2 nights so food required and the balance of £32 to pay on arrival.  We have my cousin staying from Wednesday and going to see Mary Poppins on Thursday.  I also have the final balance of £65 to pay for our summer holiday camping trip and £34 to pay for a school trip for my son.  Also add in new school uniform/shoes/trainers etc and generally increasing bills we are a little snug.  However we have a roof over our head and food in the cupboards so I count myself extremely lucky.  I witnessed the most wonderful thing today.  I have a bee house on the garden fence and I could hear a scratching noise so I suspected one was making its way out.  I kept checking back and was lucky enough to see it emerge!  I wished it luck as it flew off towards my flowers; isn't mother nature the most wonderful  <3
    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; Sept 2025 £18,399.00 2025 OP £1703.13/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
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