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Ninety months to pay off mortgage - or as near as dammit!
Comments
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Ah …. One of those …. 😉 At least it’s no one important 😉skint_spice said:
It’s another member of staff, whatever I do she finds fault with, she’s like this with many people and I did smile to myself today when I asked for direction with something today and she said just to go ahead then came out afterwards and changed everything… I knew she would. So 2024 must be a year to move forward and not let folk like her bother me. There are a few nice folk but the majority of them just talk about each other all the time.KajiKita said:Awww no ….. 😢 What was the source of the unpleasantness? Management or other?All strength to your saving and spending less arms! 💪😉
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 -
😂😂😂 very true.KajiKita said:
Ah …. One of those …. 😉 At least it’s no one important 😉skint_spice said:
It’s another member of staff, whatever I do she finds fault with, she’s like this with many people and I did smile to myself today when I asked for direction with something today and she said just to go ahead then came out afterwards and changed everything… I knew she would. So 2024 must be a year to move forward and not let folk like her bother me. There are a few nice folk but the majority of them just talk about each other all the time.KajiKita said:Awww no ….. 😢 What was the source of the unpleasantness? Management or other?All strength to your saving and spending less arms! 💪😉
KK
KK
A better day today although I seem to be acquiring a stinking cold. Hopefully it won’t hang around. Currently under a blanket on the sofa with a cuddly cat.
Good news today, a bit of extra money as the gym cancellation has gone through, I thought I had another month to pay but thankfully not so £54 in my pocket🎉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)5 -
Hope you feel better soon - cat cuddles will of course help enormously 😻 Good news re the gym sub refund as well2
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Its amazing how much negativity one person can bring to the workplace. Congratulations on the gym refund.
MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.142 -
Stinking cold turns out to be the virus that just won’t go away, didn’t take the injection this year but if it stays like this it’s ok just don’t want to risk giving it to the old folk so off sick which isn’t ideal as I will lose pay.More sofa time with madam…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 -
Sorry about the loss of pay. That's frustrating. Hope you recover quickly.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 -
It is SH, but there’s no way I could work like this. Hopefully I will be back on form next week. One bonus is I have spent hardly anything this week…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 -
That is a big winskint_spice said:It is SH, but there’s no way I could work like this. Hopefully I will be back on form next week. One bonus is I have spent hardly anything this week…
Amazing after Xmas our spends just fall dramatically (as long as I stay out of xmas sales which I have done) 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 done for keeping the pay / spend gap small. All you can do right now is focus on recovery.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, hoping I will be ok soon as I am soooo bored, my concentration is poor as I am quite headachey and I can’t seem to get into much. The days are long.
I saw a lovely dress earlier online LWAP but resisted! No spending here!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
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