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Ninety months to pay off mortgage - or as near as dammit!
Comments
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New diary?elantan said:
Mawah ha ha ha ha ha hilarious, have a look at the last post on my new diaryskint_spice said:Ooo I love your avatar Elantan
wheres the laughing rolling smiley when you need it 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.2 -
This evening I have mainly been playing about with the snowball calculator and mortgage overpayment calculator... looking forward to finding out when and what I will be paid in my new job so I can make plans.Mortgage OP 2025 £6750/7000Mortgage 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)3 -
I love the calculator - very motivating.
Good luck with your new job when do you start?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 29/7/252 -
Sorry beanie i shouldve said ... i see you found me nowbeanielou said:
New diary?elantan said:
Mawah ha ha ha ha ha hilarious, have a look at the last post on my new diaryskint_spice said:Ooo I love your avatar Elantan wheres the laughing rolling smiley when you need it 
3 -
Three weeks, not too long.savingholmes said:I love the calculator - very motivating.
Good luck with your new job when do you start?
Today has been mainly tidying up although I have managed a few hours reading in the garden 💕Mortgage OP 2025 £6750/7000Mortgage 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)2 -
Oh and I am thinking overpaying the mortgage is probably the best bet for now as I want to be in a good position to remortgage next April.Mortgage OP 2025 £6750/7000Mortgage 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)3 -
ahem ... did u manage 10 mins tidying the yoga retreat?
I've got another place to track you down and pester you 2 -
Yoga retreat?
is this another way of describing your spare room?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.3 -
elantan said:ahem ... did u manage 10 mins tidying the yoga retreat?
I've got another place to track you down and pester you
Nope! I did go into it for a book though 😂beanielou said:Yoga retreat?
is this another way of describing your spare room?
Yes, Beanie hoping to get it clear for yoga🙏Mortgage OP 2025 £6750/7000Mortgage 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)2 -
your meant to bring the book and one other thing out with you to put by . and the other thing cant be the beautiful rascal of a cat
2
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