Ninety months to pay off mortgage - or as near as dammit!
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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 17.03.24:
- When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £255,571, 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 14 books of target 52 in 2024 (as @ 1st May)
Produce tracker: £22.24 of £300
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 End Date: Apr 36/Aiming for Aug 28/Current Aug 35
Mortgage OP 2024 £2350/7000
Mortgage balance: £522622 -
My cat really appreciated it when the dog left for good so I'd be wary of mixing the two.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 237 payments to go - now £183,754 Equity 26.5%
2) Spend on handyman & external building works & new patio door £12.65K
3) CC £4.9K on 0% spends card but offset by £34.25K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
5) FI Age 60 annual income target £13.7/30K 45.7%1 -
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 End Date: Apr 36/Aiming for Aug 28/Current Aug 35
Mortgage OP 2024 £2350/7000
Mortgage balance: £522622 -
Glad you got a decent break in the end despite starting the week feeling ill.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 237 payments to go - now £183,754 Equity 26.5%
2) Spend on handyman & external building works & new patio door £12.65K
3) CC £4.9K on 0% spends card but offset by £34.25K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
5) FI Age 60 annual income target £13.7/30K 45.7%2 -
savingholmes said:Glad you got a decent break in the end despite starting the week feeling ill.Mortgage End Date: Apr 36/Aiming for Aug 28/Current Aug 35
Mortgage OP 2024 £2350/7000
Mortgage balance: £522622 -
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 End Date: Apr 36/Aiming for Aug 28/Current Aug 35
Mortgage OP 2024 £2350/7000
Mortgage balance: £522622 -
A decent budget for socialising does help remove/reduce the guilt factor - and give life some balance.Achieve FIRE/Mortgage Neutrality by mid 2030
1) MFW Nov 21 £201,999 with 237 payments to go - now £183,754 Equity 26.5%
2) Spend on handyman & external building works & new patio door £12.65K
3) CC £4.9K on 0% spends card but offset by £34.25K savings (part EF, part future home improvement)
4) Mortgage neutral by June 2030 AVC £9.6K/£127.5K AVC target 7.5% value at 15/4
5) FI Age 60 annual income target £13.7/30K 45.7%1 -
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 tooThere 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#latest3 -
Trying to link to new thread, hopefully the final chapter https://forums.moneysavingexpert.com/discussion/6507995/here-s-where-the-story-endsMortgage End Date: Apr 36/Aiming for Aug 28/Current Aug 35
Mortgage OP 2024 £2350/7000
Mortgage balance: £522622
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