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Keep calm and carry on....
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Morning all, happy Easter 🐇🐣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!!!4 -
Happy Easter SC! Enjoy the Easter Egg BF got you! 🐰🐥
Mortgage Balance as of September 2025 £11,700
Starting Mortgage Balance (June 2019) £72,000.
Aiming to be mortgage free by my 40th birthday, June 2026!4 -
Morning SC Happy Easter 🐣🐇MFW 67 - Finally mortgage free! 💙😁3
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Thanks ladies 😀! The egg is almost gone - whoops! I broke it up by bashing it with a conveniently-placed hammer (putting things away properly is SO last year 😂) and have been scurrying back and forth to bed with bits of it while I finished a book 😀
Plans for today: None. I might clean the kitchen.
Have been fighting with a ridiculous urge to buy a shoe rack from Ikea for the last 10 days or so. Ridiculous because a) It will be closed; b) Even if it's not closed, it's near my office (which is not near to my home), so if I am going there then I need to go when I am at work; c) I have nowhere to put it; and d) I don't have enough shoes to warrant it! So yes, ridiculous in general, but I can't stop thinking about it 😡 Most of my shoes are in a chest of drawers, leaving 4 "everyday" pairs in circulation (2 pairs of which are at BF's house, so I definitely don't need a shoe rack!!!) Think I may go through the other non-shoe drawers and see if I can make room for the other rogue pairs to fit in there so I can put the idea out of my mind once and for all!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!!!4 -
I am also itching, ITCHING to make an OP 😦 By the time I have got the hotel refund and have been paid, I will be at the magic £3k I set myself as a minimum buffer so can start my £100 per week OP's, so looking at making the first one on 1 May (Friday seems a good day for it). But it's sooooooo far away!!! Need to think of ways to distract myself in the meantime....
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!!!5 -
Happy Easter SC! Ikea is definitely closed. The hammer sounds like a a genius idea! 😁Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway5 -
Could you make £10 a week OPs for now so you are still seeing some progress?
Happy Easter allAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/252 -
Happy Easter SC!DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)3 -
Thanks all 😀
I have been extravagantly lazy: Didn't clean the kitchen as I forgot I'd run out of dishcloths yesterday (that sounds like a terribly lame excuse, but it's the truth!), so have been reading all afternoon and now have a glass of wine and think I'll put the telly on 😀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!!!6 -
You could use an old t-shirt or similar as a cloth if you were truly keen....
Hope you had a lovely relaxing weekend. I think we all need one whether we are on the frontline, behind the scenes or dealing with the stress of not knowing whether we have a job or not to go back to when this is done...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/255
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