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Keep calm and carry on....
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£5.37 in from Prolific - and paid off the credit card 😀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 -
Me trying to follow SC's new plans..
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!5 -
😂
And I never knew you had such hairy wrists 😂!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 -
Shush SC, I haven't had a chance to epilate them yet!!! 😂South_coast said:😂
And I never knew you had such hairy wrists 😂!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!5 -
Keep going. SC - would it work for you to focus on increasing your net worth - either through savings, debt or mortgage repayments and therefore be less worried about individual items?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 29/7/256 -
Well, I did think about reporting the figures in terms of assets and liabilities, but then I thought I'd have to include equity if it was a true reporting of assets and that would be cheating as it would put me in the black! This way works for me, as if I focus every effort on one target then the results happen quicker than limping along on several at once. That keeps me motivated then and it works with my obsessive nature, then I can turn my attention to the next target. So credit card first, then mortgage, then pension/ISAMortgage 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 -
Whoops, forgot the refurb 😂! I'm too used to living like this now!
1. Credit card
2. Mortgage
3. Refurb
4. Long-term stuffMortgage 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 think you can and often should report NW without including your home unless moving and releasing some of the equity is part of the plan. But I totally understand the ‘throw everything at one thing’ approach - these people who split money between three pots confuse me - it must take so much longer to get anywhere!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 Hemingway4 -
That's how I used to save up for things until a few years ago Vix and it was so depressing! I'm much happier with the one-thing-at-a-time method, plus it has much more "ta-da" effect 😂!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 -
😀😀😀 £700 (mortgage) OP made 😀😀😀
One more of those and then the mortgage is on hold for this year 😢
But that's all the more incentive to destroy the credit card balance so I can try and bring that forward 😂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
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