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Eating a Vegetarian Elephant
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We went to see Home at Chichester, @themadvix, beatifully acted and of course written, though I wasn't convinced about the staging.Anyway, a lovely night, but it's always a bit of a lottery getting home because of overnight works on the M27 - never quite sure where the magical mystery tour of Portmouth will take us
2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8563 -
Ooh, looked it up and sounds really good!Glad you got home eventually 😊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 Hemingway3 -
Populus is working for me today - another £2, only another 36 to cash out 2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8565
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Wow, how is it the 28th already?
That means it's time for a quick financial catch-up.- Mortgage: £117,649
Total OP for the month was £478, but some of that is because our standard payment went down but I upped the OP to keep the overall payment the same.- OP Reserve (EF): £11,481
- S&S ISA has made up for a poor September: £5,073
- SIPP: £1,390 (not bad since I only started it in June)
- Nectar points (Christmas treat fund) £92.48
- Populus £12
Project Bedroom - now renamed Project 'Complete Upstairs Renovation' !
Another boot-full of 'stuff' to the charity shop Mr C has started on the cupboard of doom, reduced three boxes of wires down to one, and found an electronics recycling facility that supports a local homelessness charity that we can make a large donation to.This afternoon I'm going to paint the back wall of the garage and we have a shelving unit to go up over the weekend, which means better acces to diy equipment, and we can move out a table and chest-of-drawers that have been there since we moved in (7 Years
) - nice up-cycling projects for some one.
2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8565 -
Just checked, I think my daily mortgage interest is now £9.39 (average for the year), last year it was £10.09
2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8566 -
Just caught up reading your diary. Loving to read your progress and good luck for the future.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 29/7/253 -
Great minds think alike Chiglepig I was checking my average interest this morning too - nice to see it coming down. You're doing really well on the decluttering and recycling. "Think of many things, do one"
Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga4 -
well done for coming under the £10/day interest - now I think you will really see the needle moving ...DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest5 -
LadyWithAPlan said:well done for coming under the £10/day interest - now I think you will really see the needle moving ...It is a nice milestone @LadyWithAPlan , and by this point in the year I think it's actually under £9 This year OPs have made a real difference, We started the year at over £128k outstanding and mandatory monthly payments were £764, they are now £694 if I ever wanted to stop overpaying. I think I would be terrified to calculate the daily interest on a larger mortgage like the one you're planning.@SandyShores I hope yours was a pleasant surprise2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8565
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Its about £16/day at the 1.64% I was last offered but as there is talk of rates going up.... there is a reason I have paused flat hunting!DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest3
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