📨 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!

12324262829120

Comments

  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    20 mins that's gonna be handy, you will save some money on petrol and every little helps,  hope you had a great day 
  • skint_spice
    skint_spice Posts: 13,465 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 day 
    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.
    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
    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  :D  :D 
  • skint_spice
    skint_spice Posts: 13,465 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    elantan said:

    Every pound saved is a pound towards buying butter  :D  :D 
    Very true😂 and chicken for the cat🙄

    I have been googling motor homes 😂 must not spend any money…
    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
    edited 17 July 2022 at 11:36AM
    elantan said:

    Every pound saved is a pound towards buying butter  :D  :D 
    Very true😂 and chicken for the cat🙄

    I have been googling motor homes 😂 must not spend any money…
    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 crocs  :D  :D  :D
  • skint_spice
    skint_spice Posts: 13,465 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £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
    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...
    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, hopefully
  • skint_spice
    skint_spice Posts: 13,465 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    elantan 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...
    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, hopefully
    Fingers crossed🙏
    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
    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 £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)
  • savingholmes
    savingholmes Posts: 29,034 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 £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
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
  • 253.4K 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.