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

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  • KajiKita
    KajiKita Posts: 4,441 Forumite
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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! 😂😉

    KK
    As at 15.07.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £249,620 end date brought closer by 2 months  
    - OPs to mortgage = £7,045, Interest saved £2,614 to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 30 books of target 52 in 2024 (as @ 25th July)
    Produce tracker: £120.19 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: 12,832 Forumite
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    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 Mar 35

    Mortgage OP 2024 £4050/7000

    Mortgage balance: £49972

    Make £100 extra a month: July £112 Boiler £376/2000

    46 pay days until freedom!
  • savingholmes
    savingholmes Posts: 27,908 Forumite
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    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 234 payments to go - now £181,773 Equity 27.3%
    2) Spend on handyman & external building works & new patio door £13.45K
    3) CC £8K on 0% spends card but offset by £34.3K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £11.3K/£127.5K AVC target 8.97% value at 15/7//24
    5) FI Age 60 annual income target £13.7/30K 45.7%
    6) SIPP £4.3K at 12/7/24
  • skint_spice
    skint_spice Posts: 12,832 Forumite
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    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 days
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Mar 35

    Mortgage OP 2024 £4050/7000

    Mortgage balance: £49972

    Make £100 extra a month: July £112 Boiler £376/2000

    46 pay days until freedom!
  • savingholmes
    savingholmes Posts: 27,908 Forumite
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    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 234 payments to go - now £181,773 Equity 27.3%
    2) Spend on handyman & external building works & new patio door £13.45K
    3) CC £8K on 0% spends card but offset by £34.3K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £11.3K/£127.5K AVC target 8.97% value at 15/7//24
    5) FI Age 60 annual income target £13.7/30K 45.7%
    6) SIPP £4.3K at 12/7/24
  • skint_spice
    skint_spice Posts: 12,832 Forumite
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    Glad you got a decent break in the end despite starting the week feeling ill.
    Thanks SH, I actually feel like I have been off for ages😂
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Mar 35

    Mortgage OP 2024 £4050/7000

    Mortgage balance: £49972

    Make £100 extra a month: July £112 Boiler £376/2000

    46 pay days until freedom!
  • skint_spice
    skint_spice Posts: 12,832 Forumite
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    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 Mar 35

    Mortgage OP 2024 £4050/7000

    Mortgage balance: £49972

    Make £100 extra a month: July £112 Boiler £376/2000

    46 pay days until freedom!
  • savingholmes
    savingholmes Posts: 27,908 Forumite
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    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 234 payments to go - now £181,773 Equity 27.3%
    2) Spend on handyman & external building works & new patio door £13.45K
    3) CC £8K on 0% spends card but offset by £34.3K savings (part EF, part future home improvement)
    4) Mortgage neutral by June 2030 AVC £11.3K/£127.5K AVC target 8.97% value at 15/7//24
    5) FI Age 60 annual income target £13.7/30K 45.7%
    6) SIPP £4.3K at 12/7/24
  • LadyWithAPlan
    LadyWithAPlan Posts: 2,463 Forumite
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    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 too
    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: 12,832 Forumite
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    Trying to link to new thread, hopefully the final chapter https://forums.moneysavingexpert.com/discussion/6507995/here-s-where-the-story-ends
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Mar 35

    Mortgage OP 2024 £4050/7000

    Mortgage balance: £49972

    Make £100 extra a month: July £112 Boiler £376/2000

    46 pay days until freedom!
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