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Ninety months to pay off mortgage - or as near as dammit!
Comments
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Awesome news about the car loan 😊 Must be a relief to have that ‘off the list’! 😊
Love that your cat will only accept a bigger dog - I suspect they will be more satisfying to boss about! 😂😉
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 32 books of target 52 in 2026 as @ 17th May.
Produce tracker: £119 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Thanks KK it tidies things up a bit moneywise🎉 as for the cat… my neighbour has a wee yorkie who would love to be friends with my cat but Madame hates her with a passion 😫 I don’t know what her problem is, perhaps she doesn’t realise it’s a dog? It’s a shame as she’s a lovely wee dog.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
My cat really appreciated it when the dog left for good so I'd be wary of mixing the two.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/261 -
There will be no dog for a while yet anyhow so Madame can maintain her queen like status😂
Back to work tomorrow, it’s been a busy few days catching up with friends, lots of walking and some cocktails. Happy daysMortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
Glad you got a decent break in the end despite starting the week feeling ill.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/262 -
Thanks SH, I actually feel like I have been off for ages😂savingholmes said:Glad you got a decent break in the end despite starting the week feeling ill.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
I seem to have spent a fair bit this week so time to get back on the straight and narrow, most of it was necessary but admittedly not all😂 I had a lovely catch up with a friend on Saturday, saw a film one night during the week with another but apart from that it has been work work work. Taking my folks for shopping this morning and hopefully tackling some decluttering when I get back.
Moneywise I have another £25 coming from the survey site. I also need to work out a realistic budget that includes a decent whack for socialising.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
A decent budget for socialising does help remove/reduce the guilt factor - and give life some balance.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/261 -
I think socialising is so important for mental health - seeing friends, having hobbies that its important to have it in your budget.
When I had two cats I would actually dance with one of them.. one didnt like it but my main Floof loved it - he always wanted to be sat on my lap, tucked in my jumper even when I was walking around...
I so want a dog tooDON'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#latest3 -
Trying to link to new thread, hopefully the final chapter https://forums.moneysavingexpert.com/discussion/6507995/here-s-where-the-story-endsMortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202
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