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

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  • savingholmes
    savingholmes Posts: 27,544 Forumite
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    KajiKita said:
    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
    KK put it so beautifully. Well done on past forethought - and good luck for the coming month. Hope February is kinder.
    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
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    Also need to loose some weight much as I don’t want 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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    beanielou said:
    Also need to loose some weight much as I don’t want to. 
    It’s not just about the weight though Beanie, I was just eating so much rubbish😱 no good for my health and I want a very long and healthy retirement in a few years time.
    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
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    skint_spice said:
    beanielou said:
    Also need to loose some weight much as I don’t want to. 
    It’s not just about the weight though Beanie, I was just eating so much rubbish😱 no good for my health and I want a very long and healthy retirement in a few years time.
    So do I sometimes. 
    I just want to reduce the stress on the joints a tad. 
    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 want to avoid operations - so yes stress on the joints too. Good luck with the streamlining!
    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%
  • skint_spice
    skint_spice Posts: 12,706 Forumite
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    Hopefully we will all manage to lose a few pounds over the next few months.

    I made popcorn in the microwave yesterday evening and it worked ok but used a different container this evening and it was a major flop. Might try the stove next time. Kombucha and popcorn on a Saturday night - living it large😂
    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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    I do the one in the brown bag & it’s usually ok. 
    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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    beanielou said:
    I do the one in the brown bag & it’s usually ok. 
    Me too... the butterk version
    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%
  • skint_spice
    skint_spice Posts: 12,706 Forumite
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    I am old school, I was just using popcorn kernels 😂
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2400/7000

    Mortgage balance: £52212

  • skint_spice
    skint_spice Posts: 12,706 Forumite
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    So I bought the stuff you mentioned and had a go and it popped wonderfully but it has all sorts of nasty ingredients and tasted sort of saccharine like, not sure why I didn’t check ingredients in the supermarket…😂

    Anyhow another “dry” week so another £15 to the kitty. I have a cocktail afternoon next month so it’ll probably all vanish in one afternoon 😂
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug  35

    Mortgage OP 2024 £2400/7000

    Mortgage balance: £52212

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