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Mortgage free mum
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Merry Christmas, hope you and your family have a great oneMortgage balance as of end of Dec 19 - £120,675
MFW 2020 challenge #35 £94.62/£750; Jan running total - £94.62
Save 12k in 2020 challenge #34 £560.20/£6000; Jan running total - £560.200 -
Thank you.
Today I decided to make next year's Christmas tags out of Christmas cards more for reusing purposes that saving money.
I have now got Ynab up together and tbh a little disappointed as Dec money seems to have gone a little out of control... But glad I'm back in control.
Tomorrow will be a small spend on some nibbles and drinks to take to a friends for new year but less expensive than going out and don't really fancy that anyway.
I have today been looking at wallpaper and paint as we are hopefully going to decorate the living room. We haven't done much decorating to the house so we are far from experienced but going to give it a go.. What's the worst that can happen.
I am not sure I will have any overpayment funds this month... Its more about recovering from December ready for a good year.
Happy New year everyone.Mortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming0 -
HI - great news on the ppi reclaim and blasting through your mini-goal. What's your next goal and are you going to update your signature?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 29/7/250 -
Thank you savingholmes. My next mini goal is to get under 150k and have 5k in a savings account. I started a new diary (1 brick at a time) and will update my signature. I always forget lolMortgage Aug 2019 161,000 :eek::eek::eek:Nov 2019 156,500:T Jan 2020 153,122:T, Apr 2020 149,500, Apr2021 139, 675, Oct 2021 136,823, Dec 2021 136,120🙂EF 0/12,000 (0%)😕 (5062.44 was ERC), Jan 2023 128,650. Our Mortgage is never going to be as high as it is today. :jOnwards and downwards to a better life for our family. :jJust keep swimming0
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