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Ninety months to pay off mortgage - or as near as dammit!
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Ouch to dodgy plaster. That's why a lot of people end up wallpapering over instead. I must admit I went off wallpaper after previous bad experiences so now just stick to paint.
Patterned curtains also can make a nice feature with a lot less effort to change after if you don't like the results.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.1K Net savings after CCs 14/5/26 (but owed £1.3K) so £3.4K
3) Mortgage neutral by 06/30 (AVC £41.6K + Lump Sums DB £4.6K + (25% of SIPP 1.4K) = 47.6K of £127.5K target 37.33% 16/5/26 (If took bigger lump sum = 69.5K or 54.5%)
4) FI Age 60 income target min £17.1/30K 57% (may need more) If bigger lump sum £15.8/30K 52.67%
5) SIPP £5.6K updated 16/5/261 -
Just realised I am down to 78 months now - wow! Elantan had me working out the exact number of shifts at one point but I need to revisit that...Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
78 .... that's no bad at all ...2
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Another 4 years to max my state pension (I was contracted out in the past) so if I get rich before then....elantan said:78 .... that's no bad at all ...Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £202 -
I'm 1 year .. I looked at ot today in work, another lassie has another 2 years she has worked for the company I work for for 44 years .... I had to explain SERPS etc to her ... she left work livid2
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78 is good
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
Oh 78 not bad at all!2
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78 is great!2
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It’s actually 73 if I go when I really want to but that’s looking unlikely. Never say never though - who knows what the future will bring.Mortgage OP 2026 £860/2000Mortgage balance: £31,763
Make £50 a month Jan £20, Feb £0, March £31, Apr £20, May £201 -
come on think of the tax refund and go for it ...
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