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)
We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Keep calm and carry on....
Comments
-
Now you lot are making me feel like I should have more of a plan....all I have is a number 😯! Will think about a plan....😂
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 -
It’s all very daunting isn’t it, I haven’t got the foggiest tbh, I just know I want to retire at 55🤦🏻♀️ I’ve started learning what all the abbreviations mean as a starting point because to be honest they might as well be written in a foreign language. I wonder if there is such a thing a pension guide for dummies? I would definitely sign up😆Aiming to be mortgage free in 3 years June 2023.
May 2020 - £63,493
Jan 2021 - £56,145
April 2022 - £44,7503 -
Maybe we could write one - that could be Passive Income Source #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!!!3 -
Haha I actually googled ‘idiots guide to pensions’ the other day!MFW 2020 #139 £781/ £30002
-
We definitely need one!
£6.22 in from Prolific 😀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!!!1 -
Oh my gosh your diary is busy @South_coast , just had a quick read through the last few pages. Love the new plan! Thats a nice healthy total.
And thank you for the freezer updateI think I get the same things of you apart from meat/fish. I had no idea you could freeze cheese!! I do pretty much have a whole draw full of garden peas as they are my favourite....I don't have to worry too much about ice cream room and things as I'm trying to be healthy. I find frozen berries really handy as well, taste better and don't have to worry about waste. I'm definitely more of a store cupboard packed fanatic- I haven't counted them but I will go do that today now but I must have about 40 different spices/herbs and many different sorts of grains,pulses, seeds, nuts (this is from before lockdown, I didn't do any stockpiling or anything and had a very desperate 48 hour search for toilet roll at one point...)
2 -
I think we can all relate to a desperate loo roll search 😯😮! It's on my list at the moment actually for the next time I go shopping - let's hope they have some as I will be just about to run out at that point 😮😮😮!
I didn't realise you could freeze all the different types of cheeses that coldcazzie mentioned (I've only got cheddar - all other cheeses don't tend to last very long once they're in my line of vision, so I only buy very occasionally!) - and I had no idea you could freeze flour! Bleurgh to the peas though, I can't stand them 😱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!!!2 -
Love that you have targeted an overall savings figure for renovations / gap until pension etc - I daren't do mine because it would depress the life out of me in addition to the mortgage
I am definitely learning something about what can be frozen...Mortgage overpayments 2018: £4602, 2019: £7870
Mortgage overpayments 2020: £4620
Mortgage 2017 £145K, June 2020 £112.6k3 -
But think how much it would have been before you started overpaying the mortgage - you're already £30k closer after a couple of years 😀 And everything you do to reduce interest/increase income brings it closer 😀
Checked my ISA earlier, it's up £63 since the weekend 😂 Must. Not. Allow. This. To. Become. My. Latest. ObsessionMortgage 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 -
It's not an obsession, it's a very active interest 😉Jan update
2021 MFW #39 £228.76/£5000
Current mortgage @ 1/2/2021 £94 900.00
Mortgage end date Jan 2041. Current OP end date March 2039. Target June 2027.
2021 Personal savings £1 803.25/£5 880
2021 Personal Freetrade shares £102.81 (putting £50 per month in - love it!).
2021 Joint sinking fund £36.83/£500
2021 Summer holiday fund £330.35/£13504
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards