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Ninety months to pay off mortgage - or as near as dammit!
Comments
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Or here!beanielou said:No running here either
Skint - that photo was amazing - almost looked like a painting the colours were so tonally harmonious and muted.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 29/7/251 -
Thanks SH, the sun was just starting to go down and the reflection was beautiful.Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)1 -
I’m off for a few days and resting! I am almost back to normal but realise I need more down time to myself much as I love my friends😂 I am still not dressed and have spent the morning putting washing on etc, drinking tea and providing a seat for her majesty! I also did a huge amount of language practice too😇
Today’s plan is a rainy run, supermarket shopping and chilling. Tree needs to go up this weekend and presents to buy but I will get there… I am thinking I will use the artificial tree this year as ds and I seem to be unable to find a time we are both off and I can’t face doing it alone and don’t trust him not to just get the first one he sees😂Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)4 -
Ooh, what language are you learning? 😊 On double-it-up-Lingo?
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Italian KK and yes on double-it-up, just passed 600 days the other day and I am not too bad on understanding written stuff but I think a conversation may be somewhat stilted😂KajiKita said:Ooh, what language are you learning? 😊 On double-it-up-Lingo?
KKMortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
It’s well worth learning Italian. English isn’t nearly as widely / well spoken in Italy as in Germany or Holland and the bit of Italian I had learned made all the difference when I went there 😊skint_spice said:
Italian KK and yes on double-it-up, just passed 600 days the other day and I am not too bad on understanding written stuff but I think a conversation may be somewhat stilted😂KajiKita said:Ooh, what language are you learning? 😊 On double-it-up-Lingo?
KK
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
I went to a nearby town for a craft market today and got a few presents, then decided to walk into the town. Got absolutely soaked despite having a brolly, I have spent the rest of the afternoon on the sofa with the cat and blankets 😂Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)3 -
The end of the afternoon sounds like bliss …. 😊❤️✨skint_spice said:I went to a nearby town for a craft market today and got a few presents, then decided to walk into the town. Got absolutely soaked despite having a brolly, I have spent the rest of the afternoon on the sofa with the cat and blankets 😂
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Met up with a friend in the city yesterday and had a great day, the Christmas markets were disappointing but we had a couple of mulled wines and headed out for something to eat at a pop up place. Hopefully we will have more time to get together in the new year.
Today will be tidying, running, buying presents and maybe putting the tree up as it’s back to work tomorrow.Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 12/244
Money making challenge £58/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Glad you had a good day.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
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