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Ninety months to pay off mortgage - or as near as dammit!
Comments
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If it’s makes you feel any better, I feel like a right prat standing in the conservatory or patio doors, shouting ‘Flooo-ooofee, num-num-nuuums ….’ 😂😂😂skint_spice said:I just tried to sing the cat in😫 she was on the back fence - I see a little silhouette of a cat didn’t work… hope the neighbours have their windows closed 😂
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 32 books of target 52 in 2026 as @ 17th 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 -
There was something strange going on in my garden tonight KK, my cat was in a neighbours garden on the roof of his shed and the neighbours dog on the other side of me was barking at something in my garden. I didn’t see anything but I am hoping it was a hedgehog 😂Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30001 -
If it was a hedgehog, you’d probably have heard it crashing about - subtle and delicate they are not! 😉😊 I mainly know that they are around by finding their distinctive 💩 on the lawn.
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 32 books of target 52 in 2026 as @ 17th 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 -
Oh, and our cat is freaked out because we have had to install a new cat flap - it is the same model as previously, but of course it doesn’t smell the same so it’s terrifying! 😂😂
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 32 books of target 52 in 2026 as @ 17th 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 -
Perhaps next time you wont call your cat fluffy numnums....?KajiKita said:
If it’s makes you feel any better, I feel like a right prat standing in the conservatory or patio doors, shouting ‘Flooo-ooofee, num-num-nuuums ….’ 😂😂😂skint_spice said:I just tried to sing the cat in😫 she was on the back fence - I see a little silhouette of a cat didn’t work… hope the neighbours have their windows closed 😂
KK
Cat is probably teased by the local feline community on this name hence making you pay by not listening to you ....
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#latest2 -
Well inspired by LWAP and KK I bought one of those scary light up masks - hoping this can help me avoid Botox for another year 😂
Day off tomorrow when I am planning on buying the rest of my presents, buying and delivering cards and going for a run… oh as well as a long lie😂 how many hours in a day😂Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30003 -
Enjoy your day off
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 -
LOL at cat names and their aversion to cat flaps. Mine often waits for me to open the door for it - but other times will go through it is weird.
Enjoy your LED mask and your break.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 -
I don’t have a cat flap SH, so I get to spend lots of time in the garden calling my cat…
I did most of the things I planned for today, I haven’t delivered the cards yet and I need to wrap a present for a friend who I am meeting tomorrow evening but feel much more organised. Also used some points towards my shopping today which had bits of DS’s GF pressie so that was a bonus.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £20
Boiler fund £2085/30001 -
I am going to try just lying under my mask tonight as I find the eye guards leave great indentations in my face which don’t fade quickly - I am hoping draping, with my eyes shut, will give me a similar effect.skint_spice said:Well inspired by LWAP and KK I bought one of those scary light up masks - hoping this can help me avoid Botox for another year 😂
Day off tomorrow when I am planning on buying the rest of my presents, buying and delivering cards and going for a run… oh as well as a long lie😂 how many hours in a day😂
Enjoy your day off 😊❤️
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 32 books of target 52 in 2026 as @ 17th 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
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