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Ninety months to pay off mortgage - or as near as dammit!
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It's not by choice Savings...given the choice I would go back to a mon-fri 9 to 5 job in a flash. Still life goes on and retirement gets ever closer so on I plod.
Didn't do much today, mopped the floors, did the ironing and then walked to the supermarket as the idea of a run anywhere didn't appeal, very tired but maybe tomorrow before yet another nightshift.
A quiet night in for me so I have a pizza in the airfryer and something fizzy in the fridge, some scandi drama on the tv. Happy days indeed.
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 -
Watching Paddington yet again!!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 -
Good choice Beanie!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 -
Sounds productive - mixed with rest. Both needed.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 -
Lazy day today - got up about lunchtime and I have mainly vegged with the cat. Evening plan is more of the same although I was going to order a takeaway but resisted and instead I am having a vegan sausage roll and chips from the freezer. Night off then two more nights til this nightmare of nights is done...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 -
I so cant wait till your released, it's been a month of hell for you .. give Miss L a cuddle for me2
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I am so done with it El, I am living for Thursday morning 😂
Miss L has just come in from outside, she was sitting on the canopy thing bashing DS when he tried to lift her down😂 she’s on top arsey form😂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 -
that's cause she wanted to keep the flamingos company 🤣🤣🤣🤣2
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Woohoo no more nights for a few weeks 🎉 waiting up to call the vet for a prescription then sleep 💤💤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 -
Hope Miss L is ok ... and hope you get a great sleep2
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