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Ninety months to pay off mortgage - or as near as dammit!
Comments
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She's fine thanks, out noising up next doors dog, it's just her regular stuff.elantan said:Hope Miss L is ok ... and hope you get a great sleep
I have slept and I am off out to see a film tonight with a friend. I have gone a bit mad and agreed to do a fair bit of overtime next month - I am thinking I need to recoup what the tax man is taking off me!Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 13/244
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 -
So does that mean more nights?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 -
With it coming into winter I dont blame you, now is the time to do it, I love how Miss L winds up the dog 🤣🤣🤣skint_spice said:
She's fine thanks, out noising up next doors dog, it's just her regular stuff.elantan said:Hope Miss L is ok ... and hope you get a great sleep
I have slept and I am off out to see a film tonight with a friend. I have gone a bit mad and agreed to do a fair bit of overtime next month - I am thinking I need to recoup what the tax man is taking off me!
what film you watching ? is it the same club as before ? any penguinos in it ?2 -
No chance!😂 only taking them to suit me too😎savingholmes said:So does that mean more nights?elantan said:
With it coming into winter I dont blame you, now is the time to do it, I love how Miss L winds up the dog 🤣🤣🤣
what film you watching ? is it the same club as before ? any penguinos in it ?
It’s the same film club El but not a pinguino in sight, I enjoyed the film though. And I walked despite being gubbed😂Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 13/244
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 -
well done you, keep it up and you'll be ready for WHW next year, looked at some hostels for accomadation for us 🤣🤣🤣1
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Enjoy the break...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 -
Quite a quiet weekend, did a wee hours overtime yesterday which was good as I needed to walk to town to get something for dinner anyway. Resisted a takeaway and got a curry from @ldi which was nice but portion seemed very small.
Ordered a couple of dresses online and need some boots as I chucked out most of mine as they were done. I am going to try a local ish factory shop today for them.
Work looks much better this week doing more of what I expected the job to be.Mortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 13/244
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 -
Glad the job is settling down.
Good luck with finding the right boots.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 -
Hope you got nice boots
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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.2 -
I did thanks Beanie 🎉 no more shopping thank goodness!beanielou said:Hope you got nice bootsMortgage OP 2025 £6750/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £35,463
Declutter 13/244
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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