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

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  • beanielou
    beanielou Posts: 90,629 Ambassador
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    Keep us posted on the popcorn in the AF. 
    How is your MSE buddy? 
    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: 12,706 Forumite
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    beanielou said:
    Keep us posted on the popcorn in the AF. 
    How is your MSE buddy? 
    El is well, we have plans to meet up in February for some adventures ☺️
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2400/7000

    Mortgage balance: £52212

  • savingholmes
    savingholmes Posts: 27,544 Forumite
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    Stunning photo. Made me go 'Wow'. I really don't get out enough. Your picture inspires me to try harder at that... Although thinking of getting a telescope at the new place to enjoy the extended views... 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £4.6K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • beanielou
    beanielou Posts: 90,629 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    skint_spice said:
    beanielou said:
    Keep us posted on the popcorn in the AF. 
    How is your MSE buddy? 
    El is well, we have plans to meet up in February for some adventures ☺️
    Something to look forward to 😊
    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: 12,706 Forumite
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    Here to report back that the popcorn was not a great success 😂 I shall stick to the big cast iron pot on the stove top.
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2400/7000

    Mortgage balance: £52212

  • beanielou
    beanielou Posts: 90,629 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    skint_spice said:
    Here to report back that the popcorn was not a great success 😂 I shall stick to the big cast iron pot on the stove top.
    Disappointing. 
    I do mine in the microwave. 
    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.
  • savingholmes
    savingholmes Posts: 27,544 Forumite
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    I rarely do popcorn - but when I do - it's the microwave variety... 
    Achieve FIRE/Mortgage Neutrality by mid 2030
    1) MFW Nov 21 £201,999 with 236 payments to go - now £183,036 Equity 26.8%
    2) Spend on handyman & external building works & new patio door £12.65K
    3) CC £4.6K on 0% spends card but offset by £33.8K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £10.2K/£127.5K AVC target 8% value at 15/5
    5) FI Age 60 annual income target £13.7/30K 45.7%
  • LadyWithAPlan
    LadyWithAPlan Posts: 2,242 Forumite
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    Gorgeous pics.... You are lucky to live in such a  stunning  enviroment 
    There will always be a (beautiful stilettoed) foot in fabulous in LaPlan's life.
    I am choosing to be fabulously frugal to support some wonderful life changing and affirming financial goals including buying a London home I love.

    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’t really hack your way to frugal. You can and should take advantage of discounts, coupons, rewards points, and the like. 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.

    My March  streaks to track
    Track Minimalist game  items (Nov 310)   (Dec  95)  (Jan 90)   Feb 50
    Exercise streak  
    YNAB days:: Target 50 days -Age of money 29
    Track my NSD's - Target 13 days/ 0/13

    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • skint_spice
    skint_spice Posts: 12,706 Forumite
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    edited 26 January at 7:21PM
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    I might try the popcorn in the microwave this evening. I am calorie counting as I want to lose a bit of weight, less than a stone but it needs shifting. App is telling me lots of other things too like sugar intake so hopefully I will make healthier choices, that said I met a friend in the city yesterday for an alumni thing and I ate a brownie then all the burns supper stuff🤦‍♀️ but it isn’t a regular thing so acceptable I think.

    I had my first attempt at running yesterday following the virus and I was slow but didn’t cough or wheeze🎉 I was disappointed when my toe came through my running socks but realised they were probably all about fifteen years old so I splashed out and bought some new ones - five pairs arrived today.

    Pay was shockingly bad this month as I lost about a week due to illness. I’m going to use vouchers for shopping one week and have cut back my personal spending budget as there was still lots left from last month anyway, hopefully this means I won’t need to dip into my savings.

    Hope everyone is well and didn’t suffer damage due to the storms.
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2400/7000

    Mortgage balance: £52212

  • KajiKita
    KajiKita Posts: 3,918 Forumite
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    Well done on the running 👏😊 That must feel good, to get out again and not feel too flattened by it. 

    Bad luck on the missing pay. Thank goodness you have the vouchers - like an emergency-emergency-fund 😊

    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. 
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