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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 £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/261 -
Thanks SH, the sun was just starting to go down and the reflection was beautiful.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £201 -
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 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £204 -
Ooh, what language are you learning? 😊 On double-it-up-Lingo?
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 33 books of target 52 in 2026 as @ 20th May.
Produce tracker: £119 of £400 in 2026
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 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
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 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 33 books of target 52 in 2026 as @ 20th May.
Produce tracker: £119 of £400 in 2026
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 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £203 -
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 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 33 books of target 52 in 2026 as @ 20th May.
Produce tracker: £119 of £400 in 2026
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 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2
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