Mortgage start: April 2024 - 295k Current £256k
Emergency fund: 13.5k/15k
Current mortgage free year: 2054 2039
Mortgage free diary: Snug & Sorted: Our Race to Mortgage Freedom
The little joy list
Books read: 41 (2024) | 12 (2025)
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Keep calm and carry on....
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It is getting so so close!! Well done on your free overpayment!!
Skipping is very very difficult - I have a skipping rope which I try to sometimes use....well I last used it like 2 years ago....but I do remember lasting about 15 seconds before I was sweating a lot3 -
I'm at the bottom of page 3 😮!
Not really got much to say at the moment, which seems ironic given the timing. No more little payments are going off the mortgage now and I'm collecting the free money in my current account ready for the debit card payment, rather than bouncing it into the account called "mortgage payoff". Removing that account from my internet banking will be the most significant action of the lot I think 🤣!
Less than a week to go now 😀
I decided a few weeks ago to stop trying to push myself too hard during the working week. On days I'm in the office my alarm is set for 5.25am and if I go straight home I'm normally back at about 6.10pm. If I nip to the shops then more like 6.30pm. So I have adopted a "survive/thrive" policy (survive the working week, thrive at the weekend) and try to do all my food and petrol shopping at the weekend so I can go straight home, don't plan on cooking anything more complicated than beans on toast or a salad, or something I can just heat up, and don't beat myself up if I'm asleep on the sofa by 9.00pm because I'm just trying to survive.
It's working well so far, although I have to shake myself a bit when I'm in my third supermarket on a Saturday morning and thinking "Is this what thriving looks like?" - as there's no other time to do it! It doesn't leave much time for posting on MSE during the week though, although I am still reading along 😀 (I'd never keep up otherwise!) Still just about keeping pace with the free money though, and did the exact amount earlier on Qmee to get me to exactly where I should be at this time of the month to hit my target - I've got over £5 pending on Prolific though, so that should hopefully buy me a few easy days next week 😀 Was anyone else surprised how low down the list Prolific was on Martin's round-up of survey sites? I think it was 8th, but it's definitely my number 1!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!!!11 -
P.S. The irony of only trying to survive 5/7 of my life is not lost on me, but that's where FIRE will come in!!!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!!!7 -
Hi SC I am doing the same, working week is insanely busy currently; crisis after crisis at work. I booked leave for yesterday but by 5pm on Thursday had 4 hour long meetings booked in for the next day (all urgent and important apparently) so that was that. So glad to see you are nearly MF!!! Exciting
CM5 -
Thanks CM, sorry to hear your work is mental though 🙁 I'm extremely fortunate at the moment that mine is pretty good - just long hours and a long drive away (which is completely against the traditional FIRE advice 🙄)!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!!!3 -
I am exactly the same as you both, so again yes sorry to hear this but it brings me comfort it’s not just me! I generally try to do the same - survive in week & then enjoy my weekends but today I need to log on as I have work to do by Monday morning etc. I generally work one weekend day every 6 weeks to just try and keep up. I must read about FIRE then tooJune 2020
Debt (Credit Cards + Loan + Student Loan) £13,000
Savings £10,000
August 2021
Debt £0
Savings £25k4 -
Was this a recent post of Martin’s about surveys?DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)2 -
It was on the MSE Newsflash bit at the top of the page a couple of days ago:
https://www.moneysavingexpert.com/family/make-money-surveys/
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!!!3 -
Possibly the oddest question yet....
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!!!3 -
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2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8563
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