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!!My time to be mortgage free!!

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  • savingholmes
    savingholmes Posts: 29,235
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    I think some months are like that. Was it due to annual bills or just it running away from you?
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • I think some months are like that. Was it due to annual bills or just it running away from you?
    All the unexpected things.  New shoes for kids. Seemed to need more petrol. Unplanned meal out and day trip as well. All part of life but expensive lol
    Part time worker.
     Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe
  • savingholmes
    savingholmes Posts: 29,235
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Do you have pots for those things? I find it helps with both planning and guilt free spends
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • Do you have pots for those things? I find it helps with both planning and guilt free spends
    Yes I do.  I love pots of money how ever small e 🙂 😃 
    Part time worker.
     Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe
  • Over paid by 100 
    Whooop
    Now 42271
    Want it at 39999 for April...
    Part time worker.
     Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe
  • savingholmes
    savingholmes Posts: 29,235
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Getting under the next bracket is fantastic
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • happymum37
    happymum37 Posts: 363
    Seventh Anniversary 100 Posts Name Dropper
    Forumite
    Been working away

    Mortgage paid today £41,855

    Going to be tight getting to under 40k by April 1st.

    Waiting till March 15th to over pay when all my bills are taken out....
    Part time worker.
     Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe
  • savingholmes
    savingholmes Posts: 29,235
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Getting closer though. Well done.
    Achieve FIRE/Mortgage Neutrality
    1) MFW Nov 21 £202K now £165K Equity 38.88% 6/9/26
    2) £1.5K Net savings after CCs 29/8/26 (but owed £130) so £1.6K
    3) 47/82K @29/8/26 = 57.31% AVC Goal by mid 2028
  • happymum37
    happymum37 Posts: 363
    Seventh Anniversary 100 Posts Name Dropper
    Forumite
    Eeeeekkkk

    I have managed it!!!! 2 k overpayment made 

    £39, 855 roughly left!!

    One mortgage down by 5 months the other by 4!!!!!
    Part time worker.
     Plug that SAHM pension gap & Retire in style in 12-15 years. .. maybe
  • beanielou
    beanielou Posts: 101,654
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Ambassador
    Great news for you. 
    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.
    One debt remaining. Home improvement loan. 9 months left.
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