📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

12021232526120

Comments

  • skint_spice
    skint_spice Posts: 13,465 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou said:
    Someone is a bad influence  :lol:
    A kayak!
    I think I will wait till next year, more time to save🙏 But she’s not really as she is always willing to give me a go on hers😂
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • skint_spice
    skint_spice Posts: 13,465 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A kayak sounds cool and refreshing... walking around in scrubs and potentially masks sounds the opposite.

    Thanks for what you do
    Yes still wearing masks while sweating 😅 usually after the first hour max I can feel the sweat running down inside it. It’s dreadful but hopefully it may be slightly different at new job🙏

    I had a very lazy day today although I did sort out my breakdown cover rather than accept renewal. 
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Guess who had to reset her password  :smiley: and no doubt will forget it very quickly,  :#

    So while I'm here,... congrats on the new job I'm delighted for you, you will be amazing at it, and hopefully not sweat as much and maybe even not have to wear a mask all the time. 

    Your doing good with the mortgage, I reckon you will be paid off quicker than you think, it's such a fine balance between going on an adventure and saving for retirement but you'll get there I know you will, just dont let people talk you into going swimming or hillwalking and you'll be fine   :# 

    keep it up mrs am awfy proud of ya 
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    well those smileys didnt look right, and that was me with my glasses on as  well  :D
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Waves @elantan
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Waves @elantan
    Hey @savingholmes how you doing ? long time no see, was just reading your diary, i see your going for FIRE as well :) well done on the pip :) 
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    elantan said:
    Waves @elantan
    Hey @savingholmes how you doing ? long time no see, was just reading your diary, i see your going for FIRE as well :) well done on the pip :) 
    Thanks I'm doing okay overall - got divorced since I last saw you posting - but happier for it.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
    (If took bigger lump sum = 53.3K or 41.8%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 29/7/25
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    elantan said:
    Waves @elantan
    Hey @savingholmes how you doing ? long time no see, was just reading your diary, i see your going for FIRE as well :) well done on the pip :) 
    Thanks I'm doing okay overall - got divorced since I last saw you posting - but happier for it.
    Sometimes these things have a way of working out for the best even if were not sure at the time, I'm glad your happier for it, and know you will be embracing it xxx
  • skint_spice
    skint_spice Posts: 13,465 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ooo I love your avatar Elantan
    Mortgage OP 2025 £6750/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £35,463

    Declutter 12/244

    Money making challenge £58/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Ooo I love your avatar Elantan
    Mawah ha ha ha ha ha hilarious, have a look at the last post on my new diary  :D:D:D  wheres the laughing rolling smiley when you need it 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.6K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.6K Work, Benefits & Business
  • 600K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.