Ninety months to pay off mortgage - or as near as dammit!

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  • skint_spice
    skint_spice Posts: 12,721 Forumite
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    Got new car insurance sorted for not much more than last year (and some cash back) which was a relief considering this year’s quote had almost doubled! I have never claimed and it’s a wee car that’s unlikely to attract joyriders😂 I was talking to a colleague the other day who said he’d compared and his was still much higher so I was worried I was stuck with it, shall call and cancel renewal in the morning.

    Long weekend from work which is a huge relief, not loving the place to be honest but plodding on…
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2400/7000

    Mortgage balance: £52212

  • beanielou
    beanielou Posts: 90,696 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Is it maybe time to consider a wee change of direction?  
    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.
  • skint_spice
    skint_spice Posts: 12,721 Forumite
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    Possibly Beanie. 
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2400/7000

    Mortgage balance: £52212

  • KajiKita
    KajiKita Posts: 3,975 Forumite
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    What are your skill sets? 
    What do you enjoy? 

    KK
    As at 15.04.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £253,994, end date brought closer by 2 months  
    - OPs to mortgage = £5,965, Interest saved £2,124, to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 19 books of target 52 in 2024 (as @ 17th May)
    Produce tracker: £25.45 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • skint_spice
    skint_spice Posts: 12,721 Forumite
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    KajiKita said:
    What are your skill sets? 
    What do you enjoy? 

    KK
    Let’s leave this for now - I am shattered following Covid etc and I will pick it up later but at the moment I just want to forget about work for three whole days and rest🙏
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2400/7000

    Mortgage balance: £52212

  • beanielou
    beanielou Posts: 90,696 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    My apologies skinty.
    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.
  • KajiKita
    KajiKita Posts: 3,975 Forumite
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    skint_spice said:
    Let’s leave this for now - I am shattered following Covid etc and I will pick it up later but at the moment I just want to forget about work for three whole days and rest🙏
    Fair enough. Enjoy your three days 😊🌞

    KK
    As at 15.04.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £253,994, end date brought closer by 2 months  
    - OPs to mortgage = £5,965, Interest saved £2,124, to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 19 books of target 52 in 2024 (as @ 17th May)
    Produce tracker: £25.45 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • skint_spice
    skint_spice Posts: 12,721 Forumite
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    Thank you both, I appreciate your support but at the moment I need a wee rest from thinking about it.

    Today I need to pick up a parcel from the Post Office and I would usually walk but the parcel in the photo they sent looks huge… I know what I ordered isn’t much either.
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2400/7000

    Mortgage balance: £52212

  • KajiKita
    KajiKita Posts: 3,975 Forumite
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    skint_spice said:
    Thank you both, I appreciate your support but at the moment I need a wee rest from thinking about it.

    Today I need to pick up a parcel from the Post Office and I would usually walk but the parcel in the photo they sent looks huge… I know what I ordered isn’t much either.
    Maybe someone was treating you to something….? 😊

    KK
    As at 15.04.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £253,994, end date brought closer by 2 months  
    - OPs to mortgage = £5,965, Interest saved £2,124, to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 19 books of target 52 in 2024 (as @ 17th May)
    Produce tracker: £25.45 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • skint_spice
    skint_spice Posts: 12,721 Forumite
    Name Dropper First Post Photogenic First Anniversary
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    KajiKita said:
    skint_spice said:
    Thank you both, I appreciate your support but at the moment I need a wee rest from thinking about it.

    Today I need to pick up a parcel from the Post Office and I would usually walk but the parcel in the photo they sent looks huge… I know what I ordered isn’t much either.
    Maybe someone was treating you to something….? 😊

    KK
    If only😂 I decided to walk in the end and it was tiny, it was some items from grüüm that featured in the mse newsletter with a few extras added on which was why I was confused about the huge box - photographer must have learned his craft on t!nder😜

    Went to an exhibition in town which was quite interesting and chatted to a friend for a while. I have just had a nice healthy stirfry and I am going to attempt some popcorn in the air fryer later. Feeling quite relaxed now.
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2400/7000

    Mortgage balance: £52212

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