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Ninety months to pay off mortgage - or as near as dammit!
Comments
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So still stuck on the sofa here, I have a wee 30 minutes each day where I zoom round and attempt to do things then return to the sofa shattered. Maybe tomorrow will be better?
Anyhow I cleaned my vacuum cleaner the other day and washed a filter which didn’t bounce back so ordered a new one which arrived today, it says change after a year🫢 it’s only been around fifteen years since I bought it😂 so I can include that on my list of things chucked out as not much is happening here. I am also burning a lovely candle that I have had for years but hoping to save the holder part for tea lights for the garden.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 -
Have you tested for Covid? The fatigue sounds significant.
Glad your cat is nursing you ❤️ Hope you feel better soon.
KK xAs 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 -
Thank you, I did the test the other day and it was positive. It feels like a heavy cold but madam is doing her best😇KajiKita said:Have you tested for Covid? The fatigue sounds significant.
Glad your cat is nursing you ❤️ Hope you feel better soon.
KK xMortgage 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 -
Feel better soon ❤️🩹🐱🐱🐱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 -
Thanks Beaniebeanielou said:Feel better soon ❤️🩹🐱🐱🐱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 -
Get better soon, rest and well done on the no buying ...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 -
Thanks LWAP, I am feeling a bit more human today, hoping I can get outside tomorrow and back to work on Tuesday 🙏LadyWithAPlan said:Get better soon, rest and well done on the no buying ...
I will test again later…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 -
Test still very positive, I do feel lots better though so will check with work tomorrow what their policy is.Not been doing much but some decluttering in the kitchen, mainly lots of food DS had bought and hardly used. In the future I am just going to use his stuff if it’s something I would eat, also finished off one of those pod boxes, I don’t buy them anymore although I would be tempted again by the iced cappuccino in the summer if we have one.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 -
Sorry you've had covid. Hope it clears your system soon and you bounce backAchieve 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 -
Ummmm …. I know you are not getting sick pay but …. this is just when a lot of people succumb to long covid because they start to push through before being properly recovered. Please consider waiting another day or two to at least be negative for the same of your long term health? Once you are in the flow of a working day you might find it hard to stop and rest if you need to.skint_spice said:Test still very positive, I do feel lots better though so will check with work tomorrow what their policy is.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
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