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!!My time to be mortgage free!!

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  • happymum37
    happymum37 Posts: 340 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    smetf said:
    Oh no- I remember the days of rapid growing feet! 
    Happy New Year.
    Have you got a Clarks outlet nearby? They and eBay were my saving grace when we were at that stage.
    S
    No outlet nearby.  But that's OK to be fair clarks last for ages and you feel all pious knowing b their feet are protected ! X
    Part time worker.
     Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe
  • happymum37
    happymum37 Posts: 340 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    savingholmes said:
    Great plans for 2022

    On the kids shoes - did I read that some shoe shops do an offer that their size is correct and will last - and if not they contribute towards next pair? Worth checking...
    That's clarks hun. They guarantee the shoes to last 6 months I think it is. Problem is our last shoes were hand me downs. 😆 
    Part time worker.
     Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh well it was worth a try!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • happymum37
    happymum37 Posts: 340 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    Whoooop premium bonds in. 

    Weirdly the kids all won 25 each..we got nothing. 

    Mortgage still not updated.  Will over pay tomorrow when it does. Fave day of the month lol 
    Part time worker.
     Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news on the winnings
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • happymum37
    happymum37 Posts: 340 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    Bloody annoyed.  Spent over 2 hours on the phone to the bank trying to over pay as we have 2 mortgages- we ported one over even we bought this place.  So I can't pay via the app

    No over payment yet this month just the monthly one
    Part time worker.
     Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Surely they can give you bank details and a mortgage reference number to use. Mine doesn't even have an app but they have finally managed that much! 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    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 £4.8K updated 29/7/25
  • happymum37
    happymum37 Posts: 340 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    savingholmes said:
    Surely they can give you bank details and a mortgage reference number to use. Mine doesn't even have an app but they have finally managed that much! 
    No they said its either in branch or over the phone. 

    I'm going to argue that with them.  I'm so
    Not doing this every time. Nearest branch is an hour away!!!
    Part time worker.
     Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe
  • powerspowers
    powerspowers Posts: 1,348 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    That’s really annoying! I have a 2 part mortgage and can Op online- the payment is pro rata across the 2 mortgages or I have to ring up to split it differently 

    well done on the winnings and shares need- mortgage neutral sounds exciting!
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,850/£5,000


  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Well done on the PB wins!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
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