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Ninety months to pay off mortgage - or as near as dammit!
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Still plodding on! Another month, another mortgage OP and happily another month off.
Cat has been to vet yet again so there go my savings for the month... £25 requested from 0nep0II so that will help a bit.
Day off today and heading into the city with DS as part of last year's xmas pressie - some food, drinks and his favourite comedian. Looking forward to spending some time with him for once.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 -
Have a fab time
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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 -
He is a busy lad :-)
hope skint cat isnt too unwell and settles down soon,
how was the comedian ?
still waiting for new rota so we can sort a date but I seem to be doing mainly nights and oncall just now :-(2 -
The cat is still creating a mess in her wake - lots of cleaning here! She seems happier though so that's good.elantan said:He is a busy lad :-)
hope skint cat isnt too unwell and settles down soon,
how was the comedian ?
still waiting for new rota so we can sort a date but I seem to be doing mainly nights and oncall just now :-(
He was great, very funny and support acts were good too.
Lots of nights here too, hopefully we can get something sorted soon.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 -
are u free next weekend ? fancy a wee trip to Ardtoe and an overnight camp? bring the paddle board we will take kayaks... have a wee fire and chill ?2
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Two night shifts down, a night off then another two coming - roll on retirement!
Had a nice walk today and did the grocery shopping, a wee chilled night on the sofa with the cat beckons.
If I stick to my preferred option it will now be less than six years til I retire from full time work (only just under but still...) I was discussing with @elantan the difference wasting £50 a month makes to this aim so belts have been tightened!
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)4 -
yep I reckon ot would deff be worth it, finishing a month earlier, where do i sign up lol
i paid that 50 off after we chatted about it, i will endeavour not to do it again, will try to focus on the idea of no more night shifts, that should keep me on the straight and narrow2 -
Lovely to have a definite plan in place. Mine still feels full of ifs buts and maybes!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/251 -
Well you can’t be too rigid…savingholmes said:Lovely to have a definite plan in place. Mine still feels full of ifs buts and maybes!
ahh @elantan no more night shifts will keep us both motivated.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)1 -
And just when you formulate a plan... got a letter from tax office saying they are changing my tax code because I owe them money... so I think I will be ok but the fun savings will have to take a hit until April.
I will try and save money where possible and add it to this pot.
Current plan is to OP the car loan like crazy and just make a £50 OP to the mortgage to keep it ticking over.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)1
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