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!!My time to be mortgage free!!
Comments
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Spent all day today trying to get through 😠 😡powerspowers said: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!
Nothing
Contacted the chat bot. They couldn't resolve so it let me email. They simply replied with you can either visit a branch or on our phone
😠 😡Part time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe1 -
However......
Big news
Uber drum roll....
On Monday we should be mortgage neutral. The money is in my account just not yet cleared.
😊 😀 😄
We should remain mortgage neutral until April. As soon as the tax year starts we are buying a new to us car.
Most money I have ever had in my life so will enjoy it for nowPart time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe2 -
Well done on being mortgage neutral however temporary. Great position to be in.
How annoying re not being able to OP or get through.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 29/7/252 -
Good news.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
I'm a bit stunned to be honest. Totally stunnedbeanielou said:Good news.Part time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe1 -
I have been trying to call the bank this week. Daily. My longest time on hols was 1hr 45 minutes. Fuming.
Going to have to go to the branch to over pay. Its a good 45 minutes away. GrrrrPart time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe1 -
Dire!!!!!!
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
If we didn't have such an incredible rate I would move banks I'm so madbeanielou said:Dire!!!!!!Part time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe1 -
Very frustratingAchieve 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 29/7/250 -
Beyond annoying.
Still no answer at the bank on sat via the phone. I'm going to ring again in the morning and then do the 1.5hr round trip on Wed to overpay. I will pay off 160 and do a Jan and Feb over payment as I just will not be going that way again for a long time. 😤
It won't take me to the zero club I like but it will roughly so that will have to doPart time worker.
Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe1
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