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Ninety months to pay off mortgage - or as near as dammit!
Comments
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20 mins that's gonna be handy, you will save some money on petrol and every little helps, hope you had a great day2
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It won’t be much of a saving maybe a pound a day max but it’s a better way to start and end a shift IMO😂 I had a very chilled day and got a few things done, dreading this week at work so it’s nice to feel sort of organised.elantan said:20 mins that's gonna be handy, you will save some money on petrol and every little helps, hope you had a great dayMortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Aye I get that, I fond my drive home gives me a chance to prepare for work ( on the way) and brain dump onnthe way back, for a while Mr El had to drive me as we shared a vehicle ( remember when Mr El had his works vehicle taken off him)
I struggled with it, was great to talk to Mr El but I actually needed that brain space to prepare and dump.
I would love it if I lived 20 mins from work by walking that would be even better .
Every pound saved is a pound towards buying butter
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Very true😂 and chicken for the cat🙄elantan said:
Every pound saved is a pound towards buying butter
I have been googling motor homes 😂 must not spend any money…Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”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 yep you cant forget the chicken, you really should look at teardrop caravans ... or buying a wee van like that lassie we met at Glen Trool and doing what she did much cheaper, or there is always a tent and crocsskint_spice said:
Very true😂 and chicken for the cat🙄elantan said:
Every pound saved is a pound towards buying butter
I have been googling motor homes 😂 must not spend any money…
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I need to stop looking at anything right now, batten down the hatches, pay off debt and save as much as possible! Just listened to Martin's forecast and it's bleak!
Work has been hard the last couple of days in the heat, it's cooled down here this evening and thunderstorms seem iminent. Seven more work days before I leave...Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
aye I think our wings are clipped a wee bit ... adventures still to go on, but as for a wee teardrop van that's a no the noo thing, it wont always be like this, hopefullyskint_spice said:I need to stop looking at anything right now, batten down the hatches, pay off debt and save as much as possible! Just listened to Martin's forecast and it's bleak!
Work has been hard the last couple of days in the heat, it's cooled down here this evening and thunderstorms seem iminent. Seven more work days before I leave...2 -
Fingers crossed🙏elantan said:
aye I think our wings are clipped a wee bit ... adventures still to go on, but as for a wee teardrop van that's a no the noo thing, it wont always be like this, hopefullyskint_spice said:I need to stop looking at anything right now, batten down the hatches, pay off debt and save as much as possible! Just listened to Martin's forecast and it's bleak!
Work has been hard the last couple of days in the heat, it's cooled down here this evening and thunderstorms seem iminent. Seven more work days before I leave...Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
I am thinking of doing a shop from home thing for August and trying to keep costs as low as possible while clearing out lots of things I have bought and not used. And I shall get ebaying! I know I keep saying this but I used to do it weekly, but then again I had a 35hr 9-5ish work week so life was simpler.Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)0 -
Shop from home sounds a good plan.
I need to sell more stuff too.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/251
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